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.