Being involved in a car accident is stressful. However, the situation becomes even more complicated when the at-fault driver is uninsured. If you have been injured in an accident involving an uninsured driver in Maryland, you may feel unsure of your options for seeking compensation for your damages. Please continue reading as we guide you through the steps of filing a claim and provide tips on how a determined Prince George’s County Auto Accident Lawyer can help you navigate the process.
How Should I Proceed if the Other Driver is Uninsured?
First, it’s important to understand that all motorists in Maryland are required to carry uninsured motorist coverage. However, the state only requires policyholders to secure the minimum coverage of $30,000. While this can help cover medical expenses and other damages sustained in a minor fender bender, it may not be sufficient enough in the event of a major crash.
If you have been involved in a car accident with an uninsured driver, you should first file a claim against their insurance. If their policy limits are reached, your underinsured motorist coverage will cover the remaining costs up to the limits of your policy. If additional funds are required for your damages, you can file a personal injury claim. However, you should discuss your legal options with a seasoned attorney first, as they can help you fight for the full and fair compensation to which you are entitled for your damages.
What Damages Can I Seek in a Personal Injury Claim?
In the unfortunate event that you have been involved in a car accident, it’s crucial to understand the damages you may be able to recover in a lawsuit. Generally, you can seek compensation for your economic and non-economic damages.
Economic damages, or special damages, represent tangible losses that can be calculated with receipts and documentation. This may include medical bills, lost wages, property damage, and any other out-of-pocket expenses. Non-economic damages, also known as general damages, represent intangible losses that are harder to quantify. This may include pain and suffering, emotional distress, loss of enjoyment of life, and disfigurement. In extreme cases, the court may award punitive damages if the defendant’s conduct was malicious or reckless. This compensation is intended to punish the defendant and deter them from engaging in future similar actions.
It’s important to note that Maryland is a contributory negligence state, which means if you contributed in any capacity to your injuries, you will be barred from recovering compensation for your damages. That said, it’s in your best interest to connect with an experienced lawyer from Timian & Fawcett, LLC, who can guide you through these tough times. Connect with our firm today so we can help you recover the funds you deserve.
