Maryland Attorneys For Uninsured And Underinsured Motorist Claims

Finding out the driver who hit you has no insurance, or not enough to cover your losses, can feel like a second blow you did not see coming. At the Law Offices of Elling & Elling, we understand that. Our Gaithersburg attorneys work one-on-one with every client throughout their case. That means your attorney knows your story, answers your questions directly and is always in your corner.

Understanding UM/UIM Coverage In Maryland

Maryland requires every auto insurer to include uninsured motorist coverage on your policy. This coverage steps in when the driver who caused your accident carries no insurance, while underinsured motorist coverage applies when their policy is too low to pay for your full damages. Both coverages are part of your own auto policy, and both provide coverage through your own insurance policy.

Your UM or UIM claim can help you recover the full value of your losses. These may include:

• Medical expenses: Emergency care, surgery and physical therapy tied to your injuries
• Lost wages: Income you lost while you were unable to work after the accident
• Future losses: Ongoing medical costs and lost earnings if your injuries are long-term
• Pain and suffering: Compensation for the physical and emotional impact of your injuries
• Property damage: Repair or replacement costs for your vehicle

The Law Offices of Elling & Elling has practiced from the same Gaithersburg office since 1974, and that experience matters when you are up against an insurance company.

How Hit-And-Run Accidents Affect Your Uninsured Motorist Claim

When the driver who caused your accident leaves the scene, there is no insurance information to collect. Maryland law allows you to file an uninsured motorist claim when you cannot identify the at-fault driver, but you must act quickly and meet specific legal requirements to keep that right intact.

You will need to report the car accident to police and notify your own insurer promptly. Maryland does not require physical contact between your vehicle and the fleeing driver’s vehicle, this is considered a phantom vehicle. However, your insurer may still need supporting evidence, such as a witness statement or surveillance footage. We know how to gather and present that evidence on your behalf.

Answers To Your UM/UIM Questions Are One Call Away

You deserve a resolution that works for you, and we are here to help. If you sustained injuries in the accident, the Law Offices of Elling & Elling can support you on a contingency fee basis, so you pay nothing unless we recover for you. Call our office at 301-960-3416 or reach out to us online to schedule a free consultation.