Getting into a car accident can be one of the most traumatizing events of your life. First, you may need to recover from devastating injuries, then you will want to file a claim against the driver who hit you and caused your injuries. But, what happens when you find out that the other driver is uninsured and underinsured?
If you have been injured in a car accident caused by a driver who doesn’t have insurance, you should hire a Baltimore uninsured motorist accident lawyer as soon as possible. Steven H. Heisler is an experienced and knowledgeable lawyer who can help you get the compensation you deserve after an accident. Give us a call at (410) 625-4878 for a free consultation.
Why you Should Choose Steven H. Heisler For Your Underinsured and Uninsured Motorist Lawyer
There are tons of Baltimore uninsured driver accident lawyers out there, but you should choose Steven H. Heisler for many reasons:
- Steve will fight for your rights as an injured driver. Before he was a lawyer, Steve was a Golden Gloves boxer and an organizer for the Hotel Employees and Restaurant Employees Union, Local #7. He fought in the ring, and now he wants to defend you in a court of law.
- Steve has more than three decades of experience representing those who have been injured in car accidents. He has handled hundreds of uninsured and underinsured motorist claims.
- Steve cares about his clients. His compassion and care for those who have been injured in an accident goes beyond just winning cases. His empathy and dependability makes his clients feel safe, knowing that they have someone on their side.
What happens If I am in an accident with an uninsured or underinsured driver?
An uninsured driver is someone who operates a motor vehicle without any coverage. Uninsured drivers often cannot afford the minimum coverage because they have gotten into many accidents or have been convicted of driving under the influence. Or, uninsured drivers may not think they have enough money to purchase insurance or their insurance policy has lapsed and they forgot to renew it. Operating a motor vehicle in Maryland without insurance is against the law and there will be penalties and fines for the driver if he is caught.
Underinsured drivers have the bare minimum of car insurance. They are not breaking the law since they do have insurance, but they do not have enough if they get into a serious car accident with severe injuries. If an underinsured motorist gets into a fender bender, the minimum insurance that they do have may cover the resulting damages.
If you are in an accident with someone who doesn’t have insurance, or who leaves the scene of an accident, you basically have two options:
- You can sue the other driver for damages resulting from the car accident. If you choose this route, you will probably not have much luck in collecting money. If a driver does not have car insurance, they are less likely to have much in the way of assets that you can go after in a lawsuit.
- The other option is to file a claim with your automobile insurance company under the uninsured motorist coverage. If the insurance company approves the claim, you will recover damages up to your policy limits.
The second option is the most common, but can be difficult to maneuver through the process. Believe it or not, your own insurance company doesn’t cut you any breaks because they are your insurance company. They treat you just as disrespectfully as they treat injured people who have a different insurance company. You need an experienced Baltimore uninsured motorist accident lawyer to assist with your claim. Steven H. Heisler has been working against insurance companies for over 20 years. Give him a call at (410) 625-4878 for a free consultation.
According to Maryland Law, motor vehicle drivers must carry at least a minimum of uninsured motorist coverage, which is in addition to your regular liability coverage. The minimum uninsured motorist coverage that Maryland drivers must have is as follows:
- $30,000 for the death or injury per person per accident
- $60,000 for injury or death per occurrence
- $15,000 for property damage per accident.
Benefits You Can Get With Uninsured Motorist Claims in Baltimore
If you are in a car accident with an uninsured motorist, the best option is to file a claim with your insurance company under your uninsured motorist policy. If the accident was not your fault, you can get compensation for the following:
- Medical Expenses
- Lost Wages and Lost Earning Capacity
- Pain and Suffering
- Property Damage.
You Need a Baltimore Uninsured Motorist Accident Lawyer to Fight Against Insurance Companies
If you file an uninsured motorist claim with your insurance company, they are going to want to limit their exposure by paying you as little as possible or even denying your claim altogether. In a sense, even though they are your insurance company, they will be acting against you. You will need to prove to them that you were not at fault for the accident and that your injuries are substantial enough to receive compensation.
After you file an uninsured motorist claim with your insurance company, they will investigate the accident and conclude whether the other driver was to blame and, thus, decide on whether they will pay out your claim.
Fighting against insurance companies can be stressful and difficult. You are going to need a knowledgeable and experienced uninsured motorist accident lawyer to help you with your claim. Steven H. Heisler knows the insurance industry well and will fight for your right to receive compensation for your injuries. Give us a call at (410) 625-4878 for a free consultation.
Underinsured Motorist FAQs
We know that you will have many questions about uninsured and underinsured motorist claims in Baltimore. Here are some that we often hear.
How long after an accident can I file an uninsured motorist claim with my insurance company?
The statute of limitations for an uninsured or underinsured motorist claim is three years. In addition, a recent Maryland Court of Appeals case opined that the statute of limitations starts to run when the insurance company denies an uninsured or underinsured motorist claim.
If I file an uninsured motorist claim, will my insurance rates go up?
You will not be penalized for filing an uninsured motorist claim with your insurance company. The insurance company is prohibited from raising your rates or cancelling your policy.
Do I have to be driving the vehicle in order to be eligible for uninsured motorist benefits?
No. You can be a passenger in a car and still file for uninsured motorist coverage. In this scenario, you would make your uninsured motorist or underinsured motorist claim with the insurance company for the driver or owner of the vehicle.
Do I really need a lawyer to file an uninsured or underinsured motorist claim?
While you do not necessarily need a lawyer, you will want to get the most compensation possible for your injuries. Our Baltimore uninsured motorist accident lawyers have the experience and know-how to make that happen.
Attorney Steve Heisler
Steve Heisler decided in 1996 that he was going to focus his law practice exclusively on injury cases. Since then, he has been representing injured people against insurance companies, disreputable medical practitioners and Big Pharma, and doing it with compassion, honesty and level-headed rationality. [ Attorney Bio ]