Both underinsured and uninsured motorist insurance in Maryland cover your damages and injuries. Both of these ensure you’re not left paying out of pocket after an accident with an uninsured or underinsured driver.

Is Maryland a No-Fault Insurance State?

Maryland is an at-fault accident state

No, Maryland is an at-fault accident state that follows a doctrine of contributory negligence. That means if you wish to sue another party, you must show that they’re entirely at fault.

However, Maryland does offer personal injury protection (PIP) insurance that offers the benefits of no-fault protection. Claimants can file claims, regardless of who is considered at fault.

PIP covers the policyholder’s medical costs and loss of current and future wages. It also provides the same protection for the driver’s passengers.

Maryland’s Vehicle Insurance Policy Coverages

Maryland’s automobile insurance laws are designed to protect drivers and pedestrians on the road. Below is an introduction to Maryland’s required coverages.

  • Mandatory Insurance Coverage

Maryland law requires all drivers to carry a minimum amount of auto insurance. State minimums for policy limits are 30/60/15 – $30,000 per person for bodily injury, $60,000 per accident, and $15,000 for property damage.

  • Liability Insurance

A liability insurance covers the damages and injuries you may cause to others in an accident. The minimum limits are set by the state.

  • Uninsured/Underinsured Motorist Coverage

This coverage in your policy is required to safeguard you against drivers who have no insurance or insufficient coverage. The established policy limits are the same as they are for state required liability and property damage insurance.

  • PIP Coverage

PIP Coverage

PIP provides coverage for medical costs regardless of who is at fault in an accident. Insurance companies are required to offer at least $2,500 in coverage to drivers which they can choose to accept or waive.

However, drivers are required to buy a PIP policy from their insurance company. This is to cover passengers in their car, a pedestrian, or someone on a bicycle whom they might hit and injure.

  • Proof of Insurance

Drivers must carry proof of insurance and present it during traffic stops or at the scene of an accident. It’s against the law to drive without the minimum insurance, as it protects drivers who are financially responsible for a wreck.

What is the Penalty for Driving Without Insurance in Maryland?

If you don’t have insurance coverage, the Motor Vehicle Administration will fine you $150 for the first 30 days you’re uninsured, adding $7.00 per day, up to $2,500 yearly. You may also experience jail time or get your license revoked or suspended.

It’s important to understand and comply with these requirements to drive legally in Baltimore City and elsewhere in Maryland.

Insurance Car Accident Coverage for Underinsured and Uninsured Motorist Claims

In Maryland, insurance for underinsured and uninsured motorists is key to your safety on the road. Here’s how it works:

  • For Crashes with an Underinsured Motorist

If you’re in an accident and the other driver does not have sufficient insurance coverage, your underinsured motorist coverage can be used to fill the gap that the other driver’s policy limits can’t cover.

  • For a Collision involving a Maryland Uninsured Motorist

If the driver at fault has no insurance, your Maryland uninsured motorist coverage helps cover all your expenses related to your wreck.

What is Enhanced Underinsured Motorist Protection?

An Enhanced Underinsured Motorist coverage policy, or EUIM, is an upgrade to standard UIM protection. Unlike a UIM policy, an EUIM’s coverage limit isn’t reduced by the amount of available coverage from the at-fault party’s insurance provider.


A EUIM policy allows for the stacking of insurance policies. Although this practice is generally not permitted in Maryland, unless you purchase EUIM coverage.

For instance, if you have a UM/UIM policy with coverage limits of $50,000 and the other party’s auto insurance policy is $10,000, you can’t combine all the amounts. You can only cover damages up to the dollar amount of your policy, or $50,000 – not $60,000. However, if you purchased EUIM coverage under your policy, you can combine for a total recovery of $60,000.

What Types of Maryland Underinsured and Uninsured Motorist Claims Can Be Filed?

Types of Maryland Underinsured and Uninsured Motorist Claims

In Maryland, there are different types of underinsured and uninsured motorist coverage claims you can file. These claims are essential if you’re involved in an accident with a driver who doesn’t have enough insurance or doesn’t have coverage. Here’s a breakdown:

  • Bodily Injury Insurance Policy Claims: If you or your passengers are injured in an accident caused by an underinsured or uninsured motorist you can file a claim for liability coverage, including medical expenses, lost wages, and pain and suffering.


  • Property Damage Claims: These claims cover damage to your vehicle or property due to an accident with an underinsured or uninsured driver. Policy limits are set minimum at $15,000.


  • Hit-and-Run Claims: If you’re a victim of a hit-and-run accident, you can file a claim under your uninsured/underinsured motorist policy for both bodily injury and property damage.

What Compensation Can I Receive from an Uninsured or Underinsured Motorist Claim?

Uninsured auto policy claims can cover various costs. This ensures that you’re not left financially burdened when you’re a car accident victim and need immediate medical attention. Here’s what you can typically expect if you file an underinsured or uninsured motorist claim.

  • Medical Expenses: These costs cover the expenses of medical treatments resulting from the accident. Costs include hospital bills, medication costs, and any future medical care that you need.


  • Lost Wages: If the accident prevents you from working, you can seek compensation for lost income.


  • Pain and Suffering: Damages for pain and suffering cover the physical pain and emotional distress you’ve endured because of the accident.


  • Property Damage: If your car or other personal property was damaged, you might seek compensation for repair, or fair market price cost in case your vehicle is totaled.

How Filing an Underinsured Motorist Claim Works

In Maryland, your Underinsured Motorist (UIM) auto insurance coverage covers the shortfall resulting from the other driver’s lack of insurance. Here’s an example of how it works:

Let’s say you have $50,000 in UIM coverage. The at fault driver has a liability limit of $30,000, but your total damages are $50,000. In this case, your UIM will kick in to cover the $20,000 gap in liability coverage.

Work with an Attorney to Maximize your Compensation When Filing a UI/UIM Claim

Maryland state statutory policy limits

Remember, each UI/UIM case is unique. Therefore, it’s important to know the auto insurance requirements of your policy and how Maryland law applies in this respect.

In situations like these, a knowledgeable attorney can provide invaluable guidance, ensuring you maximize your compensation with an at-fault driver who isn’t properly insured. That’s why each driver requires uninsured motorist coverage (UM coverage) and underinsured protection (UIM coverage) in Maryland.

The state minimum statutory policy limits for UM/UIM policies are set at $30,000 per person and at $60,000 per accident.

Having sufficient UM coverage, or better yet, EUIM under your policy can help anyone involved in a Maryland car accident recover from their insurance company compensation, especially when covering damages like bodily injuries that an at fault driver can’t fully cover.

Having your own policy for coverage places you in the same position financially, whether the other driver was driving with inadequate auto coverage or wasn’t insured at all.

Do I Submit an Uninsured Motorist Claim to My Insurance Company?

Yes, if you’re involved in an accident with an uninsured motorist in Maryland, you should submit an uninsured motorist claim to your own insurance company. Here’s how to do it:

  • Notify Your Insurer

As soon as possible after the accident, inform your own insurance company about your car accident claim for your Maryland auto accident UM coverage.


  • Provide Details

Share all relevant information about the uninsured motor vehicle accident with your insurance company. Read over your automobile insurance coverage to make sure you understand how you’re covered.


  • Submit Required Documents

Generally, you’ll need to include a police report, photos of the accident, and any medical records related to your injuries. Your insurance company will usually use the police report as its primary reference for your car insurance claim.

Will Filing an Underinsured or Uninsured Motorist Coverage Claim Raise My Rates?

Maryland Underinsured or Uninsured Motorist Coverage Claim

A common concern among Maryland drivers is whether filing an underinsured or uninsured motorist coverage claim will increase insurance rates with the claimant’s insurance company.

In Maryland, this largely depends on the specifics of the accident and the terms of your insurance policy for underinsured or uninsured motorist coverage.

Generally, if you’re not at fault, filing this type of claim with your insurance company shouldn’t raise your rates. Insurance companies typically increase rates for at-fault accidents, and not for Maryland uninsured motorist or no-fault PIP claims.

Can You Waive Underinsured/Uninsured Motor Vehicle Insurance Coverage in Maryland?

In Maryland, you can opt not to have uninsured/underinsured motorist coverage for yourself above the minimum required limits of $30,000/$60,000. However, most drivers need the higher coverage limits. To waive it, you must do so in writing and use the appropriate forms provided by your insurance company.

What is the Statute of Limitations for an Underinsured or Uninsured Motorist Claim in Maryland?

In Maryland, there’s a specific time limit for filing uninsured motorist claims known as the statute of limitations. You have three years from the date of the accident to file your claim, or from the date the at fault driver’s insurance company made a policy limits offer and your insurance company either agree or refuse to accept such offer from the liability company. In some cases, the issue of statute of limitations may become complicated so you need to seek a competent advice from a lawyer. It’s critical to act within this time frame as missing this deadline can mean losing your right to claim compensation.

Maryland Motor Accident Lawyers Can Help You!

Maryland uninsured motorist claim

In Maryland, the Law Offices of Alex Poberesky provide a key legal resource if you’re involved in a motor vehicle accident.

Experienced lawyers can help you understand your rights. They can guide you through the claims process so you can receive fair and just compensation.

As noted, Maryland law requires Maryland residents who drive to buy the statutory minimum of coverage required for auto insurance. Therefore, claims arising from a car crash should involve bodily injury liability, traditional UIM coverage, property damage, and PIP protection.

These same benefits protect drivers financially, especially if they strike someone else’s vehicle and are considered negligent drivers.

The only exception in this respect is the minimum $2,500 PIP insurance coverage you can buy for yourself, which you can waive. However, this separate policy does not allow you to waive the insurance for passengers who ride in your auto or bicyclists or pedestrians you may happen to hit and injure.

Lawyers work hard to make sure you get the compensation you deserve, whether you live in Baltimore City or Baltimore County or any other county in Maryland. If you’ve been involved in a car accident, contact the Law Offices of Alex Poberesky for a free consultation today.

After an accident, medical bills can mount up fast. That’s why it pays to seek legal help and counsel, whether you’re filing an insurance claim or you wish to file a lawsuit. Don’t allow any money to be left on the table for insurance companies. Especially if you need it to cover your expenses and maximize the compensation for your injuries through skillful and experienced representation.