What Happens if the Driver Responsible for My Injuries Only has the Minimum Insurance Coverage Required by the State of Maryland?

If you are seriously injured in a Maryland car accident and find that the at-fault driver only carries the minimum coverage, that amount may not be sufficient to handle all of your hospital and doctor bills. The result is that you may have to sue the other driver directly to recover the balance of your damages. Here in Maryland, the current minimum insurance coverages required by law are:

• $30,000 for injury or death of a single person
• $60,000 (total) for injury or death of multiple individuals
• $15,000 for property damage

At Lebowitz & Mzhen, LLC, our seasoned personal injury attorneys have the legal background and litigation skills to help you recover what you deserve under the laws of the State of Maryland. We understand how extensive medical procedures and doctor visits can quickly add up in the wake of a bad automobile or commercial trucking accident. With the help of a qualified attorney, you may find that you have additional options to recover the balance of your medical and physical rehabilitation costs from the at-fault driver.

When considering whether or not to retain a lawyer to help you with your injury claim, it is important to keep in mind that when you file a claim with an at-fault driver’s insurance company, actually getting your money (even for policies with minimum coverages) may not be as easy as one might hope. This is because insurers often fight claimants throughout the accident claims process — from the initial settlement negotiations to a trial, if it comes to that. Therefore, in our experience, it is an absolute necessity to retain a qualified attorney so that you know your legal rights are being protected.