When someone gets into a car accident, insurance helps cover costs for property damage or injuries. But what happens when a driver involved in the accident doesn’t have insurance?
This situation becomes much more complicated and stressful for everyone involved. Knowing how to handle it is important.
How uninsured drivers impact claims
Uninsured drivers create problems when covering the costs of an accident. Normally, the at-fault driver’s insurance pays for damages. If that driver lacks coverage, there is no automatic way to pay for repairs or medical expenses. Other parties often use their own insurance policies to help cover these costs.
Many insurance companies offer uninsured motorist coverage. This coverage pays for damages or injuries caused by an uninsured driver. Without this type of policy, individuals may end up paying out of pocket for repairs or medical treatment. Resolving claims without this coverage also takes longer.
What to do after an accident with an uninsured driver
After any accident, the first step is to ensure everyone is safe and call for help if needed. When dealing with an uninsured driver, gathering details becomes even more important. Be sure to collect:
- The other driver’s contact information
- Vehicle details, like the make, model, and license plate number
- Statements and contact information from any witnesses
Notify your insurance company right away. They will determine what coverage applies and guide you through the claims process.
Consequences for uninsured drivers
Driving without insurance is illegal in Maryland under state law. Uninsured drivers face significant penalties, including fines of up to $1,000, suspension of their vehicle registration, and additional fees to reinstate it. Repeat offenders may face harsher consequences.
If an uninsured driver causes an accident, Maryland law holds them responsible for paying damages, even without insurance. This can lead to wage garnishment, property liens, or other legal actions to recover costs.
Staying protected on the road
Accidents with uninsured drivers are stressful, but preparation makes a big difference. The right insurance coverage, like uninsured motorist protection, reduces financial worries and ensures unexpected situations don’t leave lasting consequences.