What to Do if your are Hit By An Uninsured Car?

If you live in the state of Maryland, you may be surprised to hear that more than 17 percent of drivers on the road are uninsured.

This means your chances of being hit by an uninsured driver are almost one in five.  It may be upsetting to hear that you invest your hard-earned money on MD auto insurance and other drivers choose to disobey the law and put you at risk.  While it is upsetting, it is the truth.  This is why you must invest in Uninsured Motorist coverage to protect yourself in the event one of these drivers hit you.  Understand how Uninsured Motorist works and how to file a claim and avoid paying out-of-pocket for your injuries. 

Uninsured Motorist acts like liability coverage for you and your passengers.

If you are not aware of how liability works, liability will pay a third party if you cause injuries or damages.  Because the uninsured driver does not have liability insurance to pay for your injuries and damages, you will have to carry your own form of liability insurance.  You are technically paying for coverage the uninsured party is not carrying.  While it may seem absurd, it is well worth it in the long run.  

If you are hit by an uninsured driver, you will need to make sure a police officer responds to the accident.  The officer will take down the driver's license plate, driver license, contact information, and will investigate the accident to determine fault.  The insurance claims department does not rely on the police officer's report to determine fault.  It is helpful but not official.  If the driver cannot provide proof of MD auto insurance, the police officer may site the driver for no insurance.

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Your insurance company will contact the other party once you file a claim.

If the party has given a bad number or address, the DMV will be notified of an accident and attempts will be made to suspend their driver license.  It may take several weeks to conclude the driver truly does not have insurance.  During this time, you will need to obtain quotes for repairs on your vehicle, and you may need to visit the doctor.  If you do not have medical insurance, your insurer may provide a letter for the physician to approve treatment.  

Your MD auto insurance will pay up to the limits stated on your policy for injuries.  If you elect to carry Uninsured Motorist Property Damage, your insurance company will waive your Collision deductible for repairs.  If you do not carry collision insurance, the insurer will pay up to $3500 for repairs.  Filing a claim can be stressful.  It can be even more stressful if you do not have the right insurance.  Protect yourself from uninsured drivers and add Uninsured Motorist to your policy.