Other Driver In My Baltimore Car Accident Is Not Insured ?
What If The Other Driver In My Baltimore Car Accident Is Not Insured ?
Uninsured motorist coverage is required in Maryland for all auto insurance policies unless explicitly declined in writing. Many assume that if they’re hit by a driver who flees the scene of a Baltimore car accident, insurance will automatically cover the damages. However, this is not always the case? What If The Other Driver In My Baltimore Car Accident Is Not Insured ? The process of securing uninsured motorist coverage is more complicated, with specific legal requirements. According to the Insurance Article, if the driver or owner of the vehicle cannot be identified, or if the driver didn’t have the owner’s permission to operate the vehicle, uninsured motorist coverage may still apply. This coverage is only available if all reasonable efforts have been made to identify the driver, owner, or the vehicle’s insurance status. For example, failing to contact potential witnesses who may have identifying information could result in a claim being denied. These claims often involve strict guidelines, and navigating them can be complex. Locust Point, Baltimore personal injury lawyer Eric T. Kirk, is experienced in handling cases involving uninsured motorist claims.
Attorney Eric T. Kirk will tell you.
Transcript
If the other driver, the one that’s judged at fault for causing the accident, does not have insurance, you would look to your own insurance policy for recovery. The coverage that’s implicated here is called uninsured motorist coverage. It’s first party insurance. You pay for it, you pay for the premiums, and it’s one that is implicated in precisely this situation. A driver- at fault doesn’t have insurance, hits you and causes damage. You then recover from your own policy. If that other driver has insurance but not enough to fully compensate you, you would then look to your own underinsured motorist coverage under your policy.
- Baltimore Personal Injury Trial Lawyer Eric T. Kirk
- Baltimore Car Accident Legal Analysis & Case Studies
- Baltimore Neighborhoods I Serve
A Baltimore car accident and personal injury litigator who has taken hundreds of cases to trial in Maryland, New York and Florida, recovering millions over a 30-year mission to obtain denied compensation for his clients.
