Hit by an Uninsured Driver in Maryland or D.C.? You Still Have Options
- Falodun Law
- Jul 4
- 3 min read
Being injured in a car accident is stressful enough—but finding out the other driver has no insurance can make it even worse. You may be asking yourself: How will I pay for my medical bills, car repairs, or lost wages? The good news is: you still have options, especially if you live in Maryland or Washington, D.C.
At Falodun Law, we help accident victims get the compensation they deserve—even when the at-fault driver is uninsured.
Uninsured Motorist (UM) Coverage – Your First Line of Defense
If you have auto insurance in Maryland or D.C., you likely carry Uninsured Motorist (UM) coverage. This type of insurance protects you, not the at-fault driver. It allows you to make a claim with your own insurance company to cover:
Medical expenses
Lost wages
Pain and suffering
Property damage (if included)
In Maryland: UM coverage is mandatory, and the minimum limits are $30,000 per person and $60,000 per accident for bodily injury. You may have more if you purchased higher limits.
In Washington, D.C.: UM coverage is also required, with similar minimums—but higher policy limits are available and encouraged.
👉 Tip: Filing a UM claim does not make your rates go up if you weren’t at fault.
Underinsured Motorist (UIM) Coverage – When Insurance Isn’t Enough
Sometimes, the at-fault driver has insurance—but not enough to cover your losses. That’s where Underinsured Motorist (UIM) coverage steps in. It fills the gap between their low policy limits and your actual damages.
For example:
The other driver has $30,000 in liability coverage.
You suffer $75,000 in damages.
If your UIM policy covers $100,000, you may recover the additional $45,000 from your own insurer.
PIP Coverage Can Help Too
In both Maryland and D.C., many drivers also carry Personal Injury Protection (PIP) insurance. PIP provides quick, no-fault benefits, typically up to $2,500–$10,000, depending on your policy.
PIP can pay for:
Medical bills
Lost income
Funeral expenses
💡 Even if the other driver was uninsured, PIP can pay out immediately—without waiting for fault to be determined.
Was the Driver Fleeing the Scene? You May Still Be Covered
If you were injured by a hit-and-run driver, that’s also considered an uninsured motorist claim. As long as you:
Report the accident promptly, and
Cooperate with your insurer,
you can often recover through your UM coverage—even if the other driver is never found.
What If You Were a Passenger or Pedestrian?
Whether you were riding in someone else's car or walking or biking, you may still be eligible for uninsured motorist benefits under:
The driver’s policy
Your own auto policy
A resident relative’s policy (e.g., spouse or parent)
These rules can be complex—Falodun Law can help sort it out.
Steps to Take After an Accident with an Uninsured Driver
Call 911 and report the crash
Seek medical treatment immediately
Get the police report – it’s key for proving the other driver was uninsured
Notify your insurance company (but be careful what you say)
Contact a personal injury lawyer to protect your rights
Why You Need a Lawyer – Even When Dealing with Your Own Insurance
Many people think they don’t need a lawyer if they’re filing with their own insurance. But your insurer’s goal is still to pay as little as possible.
At Falodun Law, we:
Handle all communication with the insurance company
Gather medical records, bills, and documentation
Fight to get you full compensation
Help you avoid costly mistakes
Serving Injury Victims Across Maryland and Washington, D.C.
At Falodun Law, we serve clients throughout Maryland and D.C., including:
Prince George’s County
Montgomery County
Howard County
Baltimore City & County
Washington, D.C.
Injured by an Uninsured Driver? We Can Help.
You don’t have to face this alone. At Falodun Law, we know how to navigate UM/UIM claims and help you get paid—even when the at-fault driver has no insurance.
📞 Call us today at (301) 289-7737
💻 Visit us online at www.injuredmaryland.com
📍 Serving Maryland & Washington, D.C.
