Cumberland Uninsured Driver Accident Attorney
Car accidents can be devastating under any circumstances, but the situation becomes even more complex when the at-fault driver lacks insurance. If you’ve been injured in an accident caused by an uninsured driver in Cumberland, Maryland, understanding your rights and options is crucial. At Berman | Sobin | Gross LLP, our experienced Cumberland uninsured driver accident attorneys are here to help you navigate the challenges of recovering compensation in these difficult cases.
Maryland Laws on Insurance and Uninsured Drivers
In Maryland, all drivers are legally required to carry auto insurance coverage which includes:
- Liability Insurance: Covers bodily injury and property damage to others when you are at fault. Minimum amounts required by law cover up to $30,000 per person and $60,000 per accident for bodily injury and $15,000 for property damage.
- Uninsured Motorist Coverage (UM): Protects you if the at-fault driver lacks insurance. Coverage includes Uninsured Motorist Property Damage (UMPD) and Uninsured Motorist Bodily Injury (UMBI), with a $250 deductible for a property damage claim.
Unfortunately, despite the legal requirement, as many drivers as 15% of Maryland drivers operate vehicles without insurance, leaving accident victims to rely on their UM coverage.
What Happens If You’re Hit by an Uninsured Driver?
When an uninsured driver causes an accident, victims may face challenges in recovering compensation for their medical expenses, lost wages, and pain and suffering. Fortunately, Maryland law provides protections through uninsured motorist coverage. However, filing a UM claim can be a complex process. Insurance companies often try to claim contributory negligence or minimize payouts, even when dealing with their own policyholders. This is where the guidance of a skilled personal injury attorney becomes invaluable. It is well-established that people who resolve their claims without the help of an attorney receive less than those who do, even when dealing with UM coverage.
Steps to Take After an Accident With an Uninsured Driver in Cumberland
If you’ve been involved in an accident with an uninsured driver in Cumberland, it’s important to take the following steps to protect your rights:
- Call the Police: A police report will serve as an official record of the accident.
- Gather Evidence: Take photos of the scene, your injuries, and any property damage.
- Exchange Information: Obtain the uninsured driver’s contact details.
- Seek Medical Attention: Documenting your injuries is critical for your claim.
- Notify Your Insurance Company: Inform your insurer about the accident and the uninsured driver.
- Consult a Personal Injury Attorney: Legal representation can help ensure you receive the compensation you deserve.
Why Work With Berman | Sobin | Gross LLP?
At Berman | Sobin | Gross LLP, we understand the stress and uncertainty that come with accidents involving uninsured drivers. Our dedicated personal injury attorneys are committed to protecting the rights of Cumberland residents and securing fair compensation for accident victims.
When you choose our firm, we will investigate the accident to determine all potential sources of compensation, negotiate with your insurance company to maximize your UM benefits, and pursue additional legal avenues as warranted, such as suing the at-fault driver directly if they have assets.
Frequently Asked Questions About Uninsured Driver Accidents
- Can I sue an uninsured driver in Maryland?
A. Yes, you can file a lawsuit against the uninsured driver. However, many uninsured drivers lack the financial resources to pay for damages, making UM claims a more reliable option. - How much time do I have to file a claim?
A. In Maryland, the statute of limitations for personal injury claims is generally three years from the date of the accident. However, UM claims may have specific deadlines set by your insurance policy, so it’s essential to act quickly. - What if the at-fault driver fled the scene?
A. If the driver was uninsured and fled the scene, your uninsured motorist coverage can still apply. Promptly report the hit-and-run to the police and your insurer.
Contact Us for a Free Consultation
From our conveniently located Cumberland office, Berman | Sobin | Gross LLP is proud to assist residents of Allegany County with uninsured driver accident claims. Our team is here to provide compassionate, knowledgeable legal guidance tailored to your unique circumstances.
If you’ve been injured in an accident caused by an uninsured driver in Cumberland, don’t face the challenges alone. Contact Berman | Sobin | Gross LLP today by calling 800-827-2667 for a free consultation. We’ll review your case, explain your options, and fight to secure the compensation you need to move forward.
