All Maryland vehicles are required to have insurance to protect drivers when they are involved in an accident. Despite this requirement, many Maryland drivers may find themselves in a sticky situation one day when they are hit by uninsured motorists. In fact, many drivers are surprised to find out how that many others are driving on the roads without insurance. That is where uninsured motorist coverage comes in, also commonly referred to as UIM coverage or insurance. This type of insurance protects those who get into Maryland truck or bus crashes with drivers without insurance to cover the damage.
How Does UIM Insurance Work?
Sometimes, getting UIM insurance to cover an accident is straightforward, and car insurance companies cooperate. But other times, the situation can be more complicated. For example, in some situations the insurance company might deny coverage, claiming that the policy does not apply to the accident in question for some reason. In these cases, an injured motorist may need to file a civil lawsuit against their insurance company to get the coverage they are entitled to. Of course, these lawsuits can be complicated, especially when going up against insurance companies’ large legal teams.
In other cases, there may be instances of insurance fraud. For instance, recently a bus accident led to charges of insurance fraud when a school bus transportation company presented fraudulent and falsified insurance cards. An investigation into the company found multiple instances of fraudulent insurance cards and led to the arrest of two people involved. While more details are still unraveling about this specific case, the case highlights the problem of insurance fraud which may complicate and prolong a Maryland driver’s recovery after an accident with an uninsured motorist.
Those two scenarios above may seem unlikely, but they can happen unexpectedly to any Maryland driver at any time. When they do, time is of the essence for the injured victims to figure out what to do and how to proceed. Under Maryland state law, those involved only have a certain period of time to file a suit against their insurance company or the negligent, uninsured driver. Because of this, accident victims are encouraged to immediately seek the advice of a personal injury attorney who is knowledgeable in these areas and can help handle even the most complicated of cases—regardless of what curveballs come up.
Do You Need a Maryland Personal Injury Attorney?
If you’re navigating the aftermath of a Maryland truck accident, you may be realizing firsthand how complicated they can become. That’s where the personal injury attorneys at Lebowitz & Mzhen LLC come in. Our attorneys have seen it all and are prepared to help you and your family handle your case no matter what hurdle comes along. See for yourself how our attorneys can help you by calling our law office today and scheduling a free, initial consultation. Calling is risk-free, as we will not bill you for our services unless we can win your case. Call today to learn more about the services we provide, and what we can do to help you on the road to recovery. We can be reached at 800-654-1949, or through our online form.