The Role of Uninsured Motorist Coverage in Maryland Personal Injury Claims

In the aftermath of a motor vehicle accident, insurance coverage plays a critical role in compensating injured parties for their losses. Unfortunately, not all drivers carry the necessary insurance to cover the damages they may cause. In Maryland, uninsured motorist (UM) coverage is a vital component of auto insurance policies, helping protect drivers when faced with personal injury claims involving uninsured or underinsured motorists. 

Uninsured motorist coverage provides financial protection in situations where the at-fault driver lacks adequate insurance to cover your damages. As a mandatory component of auto insurance policies in Maryland, it is essential to understand the role UM coverage plays in personal injury claims and the potential implications for your case. In the following discussion, we will explore the different aspects of UM coverage, including the benefits it provides, the legal requirements in Maryland, and the potential challenges you may face when pursuing a claim.

Our aim is to empower you with the knowledge necessary to make informed decisions about your personal injury claim and understand the key role UM coverage plays in securing the compensation you deserve. By working with a dedicated attorney from The Law Office of Ben Evan, you can trust that your case will be well managed, advocating for your rights and navigating the complexities of dealing with uninsured motorist coverage in Maryland.

What Is Uninsured Motorist Coverage?

Uninsured motorist coverage protects drivers when the at-fault party lacks adequate coverage:

1. Uninsured Motorist (UM) Coverage: Provides compensation for personal injury and property damage when the at-fault driver has no insurance.

2. Underinsured Motorist (UIM) Coverage: Offers protection if the at-fault driver’s insurance coverage is insufficient to cover your damages.

3. Hit-and-Run Accidents: UM coverage extends to situations where the at-fault driver cannot be identified, such as in hit-and-run accidents.

Mandated UM Coverage in Maryland

Maryland law requires auto insurance policies to include UM coverage:

1. Minimal Coverage Requirements: Maryland drivers must carry a minimum UM coverage of $30,000 per person, $60,000 per accident for bodily injury, and $15,000 for property damage.

2. Optional Higher Limits: Drivers can choose to purchase higher UM coverage limits for increased protection.

3. Stacking Policies: In some cases, injured parties may be able to “stack” the UM coverage from multiple insurance policies to obtain additional compensation.

Filing a UM Claim in Maryland

Pursuing a claim using your UM coverage includes several essential steps:

1. Notification: Notify your insurance company of your intent to file a UM claim.

2. Proof of Loss: Provide evidence documenting your injuries, damages, and the uninsured or underinsured status of the at-fault driver.

3. Negotiation: Your attorney will negotiate with your insurance provider to secure fair compensation for your losses.

4. Claim Rejection or Dispute: If your insurance company denies your claim or offers a low settlement, your attorney may initiate legal action on your behalf.

Challenges in Pursuing Uninsured Motorist Claims

UM claims can present various challenges, highlighting the importance of working with an experienced attorney:

1. Timely Notification: Filing a UM claim often requires adherence to strict deadlines, which must be met to maintain eligibility for compensation.

2. Proving Fault: You may need to demonstrate the uninsured or underinsured status of the at-fault driver and their degree of liability in the accident.

3. Negotiating with Your Insurer: Your insurance provider may dispute your claim or offer a low settlement, necessitating skilled negotiation or legal action.


Uninsured motorist coverage is an important protection for drivers in situations where the person at fault does not have adequate insurance. Making a UM claim involves notifying your insurance company, providing evidence of your injuries and damages, negotiating with your insurer, and potentially taking legal action. However, UM claims can be challenging, as you may have to prove fault and negotiate with your insurer. This emphasizes the need to work with an experienced attorney who can help you navigate the complexities of UM claims and ensure you receive the compensation you deserve for your losses. By understanding the nuances of UM coverage and working with an experienced attorney from The Law Office of Ben Evan, you can confidently navigate the complexities of your case and secure the compensation you deserve.
If you or a loved one have been injured in a motor vehicle accident involving an uninsured or underinsured driver, don’t hesitate to contact The Law Office of Ben Evan in Suitland for guidance and representation today. Our team of skilled personal injury attorneys in Maryland is committed to pursuing justice for our clients and has the experience necessary to navigate the intricacies of UM coverage in Maryland, ensuring that your case is well managed and your rights are protected.

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