What Happens If I Get Into a Car Accident With Someone Who Doesn't Have Car Insurance?
A Maryland (or Virginia or D.C.) car accident caused by an uninsured driver can be a nightmare if you don't have adequate uninsured/underinsured motorist coverage policy limits on your automobile insurance policy.
Everyone has car insurance, right? So if another driver causes a wreck on the Beltway and you're injured, the insurance company of the driver who caused the accident will pay for all of your medical treatment, surgeries, hospitalization, rehab, and time lost from work, right? It depends on that persons insurance coverage and your insurance coverage.
What if you or someone in your family is in a serious car or truck accident and the other driver, who caused the accident, doesn't have automobile liability insurance or has the minimum policy limits, say $25,000/$50,000. That means his policy will pay a maximum of $25,000 to any 1 person, or $50,000 for the whole accident if more than 1 person was injured - no matter how many people were hurt by their driver's reckless or unsafe driving. It doesn't matter if you're in the hospital for a week after the accident, undergoing surgery and rehab, can't work and need a lot of medical treatment in the future. If that is the policy limit, that's all the insurance company will pay.
If you are hospitalized, require several surgeries and can't go back to work, $25,000 is not going to be enough to pay for your medical treatment, future care and lost income. That's where uninsured or underinsured motorist coverage comes in. That insurance coverage, that you can buy, will protect you by paying damages up to the policy limit. So, you should get a high policy limit.
Here's how it works. If you have a car insurance policy with uninsured and underinsured motorist coverage with a limit of $300,000, your insurance company will step in and settle the case or pay your damages up to that limit. So if the reckless driver who hit you on the Beltway only has $25,000 in insurance coverage, your company could pay an additional $275,000 (because the total limit is $300,000).
Having represented people who have gone through this, I can tell you it is a difficult time to be injured, out of work, in debt and with only limited recovery options for the harms caused by another driver. Uninsured and underinsured motorist coverage is relatively inexpensive and protects you and your family from a financial disaster if you're hit by an uninsured driver or a car with minimum policy limits, so check your limits and increase your coverage today. And remember, we don't sell insurance (we actually sue insurance companies for a living) we just recommend this because we think its the best thing to do.
Need Help? Contact Our Experienced Car Accident Attorneys Today
It is a little bit confusing if you're not used to dealing with this, and how could you be? So call us at 202-393-3320 and talk it through - the call and info we will give you is free, no obligation and confidential, so there is absolutely nothing to lose.