Being hit by an uninsured driver in Maryland can leave accident victims feeling frustrated and uncertain about how their medical bills, lost wages and vehicle damage will be covered. Fortunately, Maryland law requires every auto insurance policy to include uninsured motorist and underinsured motorist coverage, commonly called UM/UIM coverage.
Knowing what steps to take immediately after a crash may help protect both your health and your financial recovery. The following are top five considerations to keep in mind.
1. Call 911 and seek medical attention
Even if injuries initially seem minor, some symptoms may worsen over time. A police report can also become critical evidence later, particularly if the at-fault driver lacks insurance or leaves the scene entirely. In Maryland, uninsured motorist claims also commonly apply to hit-and-run accidents where the responsible driver cannot be identified.
2. Document as much as possible
Take photographs of vehicle damage, skid marks, road conditions and visible injuries. Gather witness names and contact information if available. If the driver admits they do not have insurance, avoid arguing and document the interaction carefully. In hit-and-run cases, details such as vehicle descriptions, partial license plate numbers or nearby surveillance cameras may become extremely important.
3. Be cautious when communicating with insurance adjusters
Fourth, be cautious when communicating with insurance adjusters. Even your own insurance company may attempt to minimize payouts or dispute portions of your claim. Avoid giving recorded statements or accepting quick settlement offers before understanding the full extent of your injuries and damages.
4. Stay off your social media accounts
Especially if you may have grounds to file a claim against a business or a government entity for contributing to your harm, you need to keep your profile low right now. Stay off social media, as even a simple “like” of another’s post could be used as evidence that your claim isn’t as strong as it really is.
5. Consult a Maryland auto accident attorney
Uninsured motorist claims can become legally complicated, especially when serious injuries, disputed liability or long-term medical issues are involved. A skilled legal team can help investigate the crash, review available insurance coverage and negotiate with insurers on your behalf.