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Maryland Uninsured Motorist: 6 Frequently Asked Questions

Driving without insurance is illegal in Maryland, yet there are still uninsured motorists on the roads. To protect yourself in the event of an accident with an uninsured driver, it’s essential to understand uninsured motorist insurance. In this blog, we’ll address six frequently asked questions about uninsured motorist coverage in Maryland to help you make informed decisions about your auto insurance policy.

1. What Is Uninsured Motorist Coverage?

Uninsured motorist coverage is an optional insurance policy that keeps you and your passengers protected if you get into an accident with an underinsured or uninsured driver. In Maryland, this coverage includes both uninsured and underinsured motorist protection.

2. Is Uninsured Motorist Coverage Required In Maryland?

While uninsured motorist coverage is not legally required in Maryland, insurance companies are obligated to offer it to all policyholders. When purchasing auto insurance in Maryland, the policyholder must explicitly decline this coverage in writing if they choose not to include it in their policy.

3. How Does It Work?

If you’re in a car crash with an uninsured driver and you possess uninsured motorist coverage, your insurance provider will step in to cover your medical bills, lost wages, and other damages up to the policy’s limits. Similarly, if the at-fault driver’s insurance coverage is insufficient to cover your expenses, your underinsured motorist coverage will kick in to make up the difference.

4. Does Uninsured Motorist Coverage Only Apply To Car Accidents?

No, uninsured motorist coverage extends beyond car accidents. It also covers hit-and-run accidents where the at-fault driver cannot be identified, and you have no access to their insurance information. Additionally, it can protect you if you’re walking by or if a cyclist is hit by an uninsured or underinsured motorist.

5. Can I Stack Uninsured Motorist Coverage In Maryland?

Maryland does not allow insurance stacking for uninsured motorist coverage. Stacking refers to the practice of combining coverage limits from multiple insurance policies. In states where stacking is permitted, you could potentially stack the coverage limits of multiple vehicles on your policy, but this is not the case in Maryland.

6. What Should I Consider When Choosing Uninsured Motorist Coverage?

When deciding on the amount of uninsured motorist coverage to include in your policy, consider your circumstances and needs. Assess factors like your health insurance coverage, your budget, and the number of drivers in your area without insurance. Opting for higher uninsured motorist limits may offer greater protection and peace of mind.

a car requiring auto damage estimates

If you’re an uninsured motorist in Maryland and have been in an accident, and need help estimating vehicle damage and calculating its diminished value, Jared’s Auto Appraisal is your best option for it. We have been working in this industry for almost two decades now and have helped more than 25,000 motorists get the compensation they deserve. Contact us today and take advantage of our estimate damage to vehicle and their services.