What If the Other Driver Doesn't Have Insurance?

When you get into a car accident on the streets of Baltimore, you expect the at-fault party’s insurance policy to cover your medical expenses and repair bills. But what if the other driver doesn’t have insurance?

The experienced attorneys at William G. Kolodner P.A., may still be able to help you recover some much-needed compensation. Contact our Baltimore office, give us a call today at (410) 837-2144 for a free initial consultation.

How Our Law Firm Can Assist You After Your Collision with an Uninsured Driver

Car accident

William G. Kolodner P.A., we are committed to providing the people of Baltimore with the legal services they need when they get into car accidents. If you hire us to help you fight for financial compensation after your collision with an uninsured driver, we will:

Help You Understand the Claims Process

As you might expect, the process of fighting for compensation after a collision with an uninsured driver can be quite complicated. It is not at all unusual for injured parties to become confused, flustered, and irritated as they work through it.

At William G. Kolodner P.A., we don’t want you to feel this way. As such, when you enlist our services, we will take the time to sit down with you and give you an overview of the process and what you can expect at each stage. If you have any questions afterward, we will be happy to answer those as well.

Communicate with Your Insurance Company on Your Behalf

Without a doubt, the best way to keep an uninsured motorist claim on-track is to stay in regular contact with your insurance company. Of course, as you work to recover from your injuries, you probably don’t want to spend hours on the phone to an adjuster every day.

Fortunately, when you work with William G. Kolodner P.A., you won’t have to. Our lawyers will communicate with your insurer on your behalf and let you know about all major updates.

Search for Evidence to Help Your Case

Insurance companies often delay paying out on uninsured motorist claims by stating that the policyholder has not supplied them with enough evidence. This tactic can add weeks or even months to the process.

At William G. Kolodner P.A., we do not want you to have to wait that long to recover the compensation you need to pay for your medical bills and repair costs. So, when you hire us, we will immediately begin searching for the evidence insurance companies most often request and provide it to them before they have a chance to ask.

Argue on Your Behalf in Court

If even after being given a mountain of relevant evidence, your insurer continues to delay or deny your claim, you will most likely need to take them to court to recover the financial compensation you deserve.

The attorneys at William G. Kolodner P.A., have been representing clients at trial for years. As such, we know how to argue a case in a way that will resonate with the presiding judge. When you hire us, we will work tirelessly to ensure you get a fair hearing in court.

Are you ready to begin fighting for the compensation you deserve after your collision with an uninsured driver? Then please reach out to the attorneys at William G. Kolodner P.A., as soon as possible. We are always available to assist our friends and neighbors in Baltimore.

Uninsured Drivers in Maryland – Understanding the Problem

In America, almost all states require drivers to carry a valid liability insurance policy when traveling on public roads and highways. The state of Maryland is no different.

In the Old Line State, all drivers must purchase and maintain auto insurance with the following limits:

  • $30,000 of coverage for bodily injuries per person
  • $60,000 of coverage for bodily injuries per accident, and
  • $15,000 of coverage for property damage per accident.

Despite this law, the Insurance Research Council estimates that 12.4 percent of all drivers on the road in Maryland are uninsured. In other words, about one out of every eight motorists in cities like Baltimore does not have a valid insurance policy.

Were you recently struck by an uninsured driver on your way to work or school? If so, please do not hesitate to contact William G. Kolodner P.A. We may be able to help you recover the compensation you need to pay for your medical bills and other expenses.

What Should Baltimore Drivers Do If They Get into an Accident with an Uninsured Driver?

When Baltimore drivers get into accidents with uninsured motorists, they frequently believe that they will need to empty their own bank accounts to pay for their medical care and vehicle repairs. In reality, however, most people can protect their financial futures if they:

  • Call the Police: Law enforcement officers will create an official record of the accident that can be used as part of an insurance claim.
  • Do Not Accept Cash: Accepting money from the at-fault driver may be considered settling the matter.
  • Take Plenty of Pictures: Photos of the accident scene can be used as evidence in an insurance claim.
  • Hire a Skilled Attorney: A lawyer can provide the victim with the advice they need to get through the claims process.

Do you need some help filing a claim after a crash with an uninsured driver? Then please call William G. Kolodner P.A., at your earliest convenience. We are always ready, willing, and able to assist.

How to Claim Compensation After a Collision with an Uninsured Motorist in Baltimore

Just as the state of Maryland insists drivers have liability insurance, it also mandates that they must carry uninsured motorist coverage. The minimum limits for policies of this nature in the Old Line State are as follows:

  • $30,000 of coverage for bodily injuries per person
  • $60,000 of coverage for bodily injuries per accident, and
  • $15,000 of coverage for property damage per accident/

This coverage can be used by policyholders to reimburse them for medical costs, auto repair bills, and other expenses when they get into accidents with uninsured motorists or hit and run drivers.

The process of claiming financial compensation using through one of these policies should work as follows:

  1. The policyholder notifies the insurer about the collision
  2. The insurance company carries out a brief investigation
  3. The insurer sends the policyholder the funds they deserve

Unfortunately, the system does not always work as smoothly as it should. It is not at all unusual for insurance companies to deny or delay valid claims in an effort to boost their bottom line.

A brief list of the common reasons insurers provide for delaying and denying uninsured motorist claims would include:

  • The victim is faking their injury
  • The victim’s injuries are not as severe as they claim
  • The victim did not supply enough evidence
  • The victim did not report the accident on time

Because of the consistent bad faith actions of insurers, it is always smart for policyholders to have an experienced attorney help them with the claims process. 

The legal team at William G. Kolodner P.A., has been fighting on behalf of the people of Baltimore for years. If you would like to have us represent you in your battle for financial compensation after your collision with an uninsured driver, all you need to do is pick up the phone and give us a call.

Compensation Available in Baltimore Uninsured Motorist Cases

When Baltimore residents file uninsured motorist claims, they can often recover funds to cover their:

  • Medical bills
  • Ongoing healthcare costs
  • Lost wages
  • Property damages
  • Pain and suffering
  • Mental anguish, and more.

The size of their compensation check typically depends on the severity of their injury and the impact will have on their life. Those who sustain injuries that leave them with life-long health issues or permanent disabilities generally receive the largest payouts.

Would you like to have our skilled Baltimore personal injury attorneys let you know how much compensation you may be eligible to receive after your crash? Then please give us a call and set up a free consultation at our law office in Baltimore, MD.

Statute of Limitations for Uninsured Motorist Claims in Maryland

In the state of Maryland, the standard statute of limitations for most uninsured motorist claims is three years. In almost all instances, the statutory clock begins to tick on the date the policyholder knew or should have known they had a case against their insurer.

If your statutory window is set to close in the coming months, William G. Kolodner P.A., may be able to help you submit a claim in an expedited manner. Reach out to us today to discuss your insurance coverage and learn more about your legal options.

What If the Other Driver Doesn’t Have Insurance? Our Baltimore Law Firm Can Help

If you have been involved in a crash with an uninsured motorist and need help fighting for compensation, please contact William G. Kolodner P.A., as soon as possible. Our attorneys have the industry experience and legal expertise needed to handle your case – no matter how complex it may be.