Uninsured Motorist Coverage

An uninsured motorist is someone who does not have automobile insurance coverage at the time of an accident including hit and run drivers.

Definition: An uninsured motorist is a driver who does not have liability coverage at the time of an auto accident. This can include a vehicle that is operated by am unidentified hit and run driver who collides with an insured or family member, the insured's auto or any auto occupied by the insured or a family member. This can also include someone who is inadequately insured (not enough coverage) or someone who has invalid coverage at the time of the accident.

Exclusions: The above definition does not apply to vehicles owned by insured or any family member, vehicles operated by a governmental agency, vehicles operated on rails or designed for off road use or vehicles used as a residence.

Uninsured motorist coverage generally provides protection for you and your passengers if you are involved in a collision with an uninsured driver or if you are involved in a hit-and-run accident. It is a substitute for the other driver's policy and your complete claim is settled with your own insurance company. Uninsured motorist bodily injury coverage often covers the following expenses:

• Medical
• Lost wages
• Other general damages
• Injuries sustained in hit-and-run accidents

Please be aware, if you have been involved in an accident with an uninsured driver, you may want to contact an attorney before you file a claim with your insurance company to ensure that you obtain all of the coverage available to you and you do not waive valuable legal rights.

We help our Maryland customers in Baltimore, Columbia, Silver Spring, Dundalk, Wheaton-Glenmont, Ellicott City, Germantown, Bethesda, Frederick, Gaithersburg, Bowie, MD and other cities in the Old Line State lower their premiums and save money on all types of insurance. Use the form above to find low cost auto, homeowners, health, medical, life and long term care insurance. Using our Maryland insurance agent and broker network, you can independently compare rates from up to five insurance companies.

Maryland Auto Insurance, Life Insurance Maryland, Homeowners Insurance | Free MD Rate Quotes