Baltimore Car Accident Lawyer
Protecting You From Uninsured and Underinsured Drivers in Baltimore, Maryland
The Insurance Research Council estimates that 15 percent of motorists were uninsured in Maryland in 2009. Many more drivers carry only the minimum amount of insurance required by law, which is often not enough to cover the damages they cause in an auto accident.
Founded by local Baltimore lawyers, LeViness, Tolzman & Hamilton, P.A. is committed to helping injury victims in our community. During our more than 30 years of practice, we have successfully recovered more than $100 million on behalf of our injured clients. We take on the toughest types of accident cases, including hit-and-run, uninsured and underinsured motorists claims. A Maryland car accident lawyer at our firm can advise you of your rights and options under these circumstances and explain liability issues.
Basic Liability Coverage Required by Law
Maryland law requires all registered vehicle owners in the state to carry the minimum liability coverage, including:
- $30,000 for bodily injury per person per accident
- $60,000 for bodily injury for all people injured per accident
- $15,000 for property damage
Personal Injury Protection Requirements
You must also carry at least $2,500 in personal injury protection (PIP) that reimburses you for your medical expenses and lost wages. Unlike basic liability payments from the other driver, you are eligible for PIP even if you were at fault for the accident.
Uninsured Motorist Policy
Maryland statutes also mandate that you carry uninsured motorists (UM) insurance of at least:
- $30,000 for your bodily injury in each accident
- $60,000 total for bodily injury to all occupants in each accident
- $15,000 for property damage to your automobile
UM coverage applies in situations in which the other driver carries no insurance or flees the scene of the accident and is never identified.
Underinsured Motorists Coverage
Often the property and injury damages in an accident exceed the maximum covered liability and PIP amounts. Fortunately, your UM coverage policy also contains an underinsured motorists (UIM) clause that provides reimbursement for any amount not covered by the at-fault driver’s insurance plan.
Baltimore Car Accident Lawyers at LeViness, Tolzman & Hamilton Recover Compensation Even if the Other Driver Does Not Have Insurance
Find out how you can collect damages exceeding the other driver’s insurance policy and how to collect if the other driver has no insurance or flees the scene. Call LeViness, Tolzman & Hamilton, P.A. at 800-547-4LAW (4529) or contact our firm online to schedule your free consultation with an experienced Maryland car accident lawyer. You can contact us 24/7 by phone for immediate auto accident victim assistance. We handle your claim on a contingency basis — meaning we do not charge you attorney fees unless we win. Your total satisfaction is our priority.