Baldwin & Briscoe P.C.
301-862-4400
22335 Exploration Drive Ste. 2030
Lexington Park, MD 20653
OUR FIRM PRACTICE AREAS ATTORNEYS RESOURCES CONTACT US Visit Baldwin & Briscoe on FacebookVisit Baldwin & Briscoe on TwitterVisit Baldwin & Briscoe on LinkedIn

 

Uninsured Motorist Claims

 

In Maryland, it is unlawful to operate a motor vehicle on a public highway without appropriate insurance coverage.  Each motorist is required to carry an insurance policy providing for at least $30,000.00 per person in benefits and $60,000.00 per accident as well as $15,000.00 in property damage.  Driving a vehicle in violation of these requirements is a misdemeanor criminal offense that carries hefty fines and a potential jail time.

 

  Although the law requires that motorists carry insurance coverage, not everyone follows the law.  Fortunately for the law-abiding folks among us, all insurance policies, by law, provide some degree of coverage for the policy holder in the event that they are involved in an accident with an uninsured motorist.  When a claim is made against an uninsured motorist policy, the plaintiff can file against their own insurance company to provide benefits based on the injury caused by an uninsured third-party.

 

  A plaintiff can recover on an uninsured motorist policy to the extent that the coverage limits on that policy exceed the limits of the at-fault party’s insurance coverage.  So, for example, if Bob negligently runs his car into the back of Jody’s truck, causing injuries, and Bob’s insurance policy limits, through El  Cheapo Indemnity Co. are $30,000 per person, Jody can sue both Bob and the NoStates Casualty Company, Jody’s own insurer.  Assuming that Jody’s policy limits are $100,000 per person and Jody obtains a judgment against Bob for $80,000 at trial, then El Cheapo, Bob’s insurer, will pay Jody the first $30,000 of that judgment, with the remaining $50,000 being paid by NoStates.

 

  On the other hand, if Jody’s policy limits with NoStates are only $30,000, even though his judgment exceeds Bob’s policy limits of $30,000, Jody will not be able to recover any additional money, regardless of how big his judgment is. 

 

  Maryland law prohibits adding or stacking insurance coverage under more than one policy of insurance for damages arising out of the same occurrence.  Further, if a plaintiff recovers under a worker’s compensation claim, the amount recovered from any related uninsured motorist claim must be reduced by the amount of workers compensation proceeds actually received by the injured party. 

  For more information about personal injury claims, click here.

 

The information contained on this page is provided as general information and does not constitute legal advice.  The experienced attorneys at Baldwin, Briscoe & Steinmetz, P.C. can assist you if you have an uninsured motorist claim.  We’d be happy to sit down with you and review your situation and provide appropriate advice.  Call today for a no-obligation consultation.  There is no consultation fee for cases involving personal injury.

 

 

The Law Offices of Baldwin, Briscoe & Steinmetz, P.C. also offers these services:

Bankruptcy and ForeclosureBusiness LawCivil LitigationCriminal DefenseEmployment, Disability, and Consumer RightsFamily LawGovernment Contracts LawIntellectual Property, Personal InjuryReal Estate, Social Security Disability & Workers’ Compensation and Wills, Trusts, & Estates

 

 

 

Contact Us

The Law Offices of Baldwin, Briscoe & Steinmetz, P.C.

22335 Exploration Drive

Suite 2030

Lexington Park, MD 20653

301-862-4400 Phone

301-862-3009 Fax

Directions

 

fb2.gif li2.gif tw.jpg

Around Our Site

Home

About Our Firm

News

Articles

Contact Us

Sitemap

Practice Areas

Bankruptcy & Foreclosure

Business Law

Civil Litigation

Criminal Defense

Government Contracts Law

Family Law

Intellectual Property

Personal Injury

Real Estate

Wills, Trusts, and Estates



Our Attorneys

Samuel C.P. Baldwin, Jr., Esq.

Janice Briscoe, Esq.

Richard J. Steinmetz Jr., Esq.

David J. Hebb, Esq.

Sandra Kaufman Jonasen, Esq.


spacer.jpg spacer.jpg spacer.jpg spacer.jpg
With an office conveniently located in Lexington Park, The Law Offices of Baldwin, Briscoe & Stienmetz, P.C. serves clients in the counties and cities of Lexington Park, Leonardtown, Hollywood, Mechanicsville, Loveville, Helen, Breton Bay, Chaptico, Charlotte Hall, Golden Beach, Avenue, La Plata, Waldorf, Newburg, Port Tobacco, Port Charles, Solomons Island, Prince Frederick, Chesapeake Shores, Hughesville, Benedict, Nanjemoy, Lusby, Port Republic, St. Mary's County, Charles County, Calvert County, Prince George's County, Southern Maryland.


StatCounter - Free Web Tracker and Counter StatCounter - Free Web Tracker and Counter StatCounter - Free Web Tracker and Counter StatCounter - Free Web Tracker and Counter StatCounter - Free Web Tracker and Counter StatCounter - Free Web Tracker and Counter StatCounter - Free Web Tracker and Counter StatCounter - Free Web Tracker and Counter StatCounter - Free Web Tracker and Counter StatCounter - Free Web Tracker and Counter StatCounter - Free Web Tracker and Counter StatCounter - Free Web Tracker and Counter StatCounter - Free Web Tracker and Counter StatCounter - Free Web Tracker and Counter StatCounter - Free Web Tracker and Counter StatCounter - Free Web Tracker and Counter StatCounter - Free Web Tracker and Counter StatCounter - Free Web Tracker and Counter StatCounter - Free Web Tracker and Counter StatCounter - Free Web Tracker and Counter StatCounter - Free Web Tracker and Counter
Web Services Provided by BalanceLogic