22335 Exploration Drive Ste. 2030
Lexington Park, MD 20653
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.
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
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 ElCheapo 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.
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
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.
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
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.