Maryland Accident Attorney: Hit by an Uninsured Motorist?
While few car accident victims would say that the accident was “worth it” because they received a settlement that made them happy, most car accident victims would tell you that any financial recovery lessened their burdens. These victims typically receive payments from the negligent driver’s insurance company. But, what if there is no “other” insurance company? What if the negligent driver who hurt you was also driving without insurance? Is there any way to get any relief?
Yes, there is.
Many people have uninsured/underinsured motorist coverage. That means that the insured person’s insurance company will cover some expenses related to the crash, even though the crash wasn’t the insured person’s fault.
Kinds Of Damages Covered By Uninsured/Underinsured Motorist Coverage
Coverage specifics will vary depending on the state where the person is insured and the person’s particular insurance policy. But, in general, uninsured/underinsured motorist coverage applies to:
- Medical bills. Medical bills add up in a hurry. Insurance can cover the expenses related to a person’s treatment.
- Lost wages. When you are confined to a hospital bed or your couch, you cannot be expected to earn a living. Many uninsured motorist policies reimburse victims for the wages they lost because they had to take time off from work to recover from their injuries.
- Pain and suffering. Unfortunately, people who get hurt in car accidents often experience tremendous pain. They may suffer for days, weeks, or even months. Pain and suffering damages are designed to compensate a victim for the pain she experiences because of the accident.
- Emotional distress. Victims often experience serious trauma associated with an accident. They need to receive counseling and other services. Emotional distress damages are designed to cover the costs of counseling or other services and to compensate the victim for his distress.