A large number of Maryland drivers are uninsured. Too often these individuals cause automobile accidents that result in injuries to the other driver. Fortunately, in Maryland, the injured victim can pursue an uninsured/underinsured automobile accident insurance claim. This type of claim is available in two situations:
1. Uninsured motorist - the negligent driver has no auto insurance coverage
2. Underinsured motorist - the negligent driver has insufficient liability insurance limits that cannot cover the injured victim's damages, and the negligent driver's policy limits are lower than the limits of the victims uninsured/underinsured motorist coverage
Maryland unisured/underinsured motorist coverage is insurance coverage that covers your auto accident just as your liability insurance would provide compensation for an individual who you might injure as a result of careless driving. In Maryland, unisured/underinsured coverage usually extends to family members living in the household of the insured and passengers.
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