--- description: EUIM coverage offers benefits to drivers by providing additional protection in the event of an auto accident with an underinsured driver. title: Maryland Enhanced Underinsured Motorist Coverage 2024 - --- Maryland Enhanced Underinsured Motorist Coverage 2024 - # Maryland Enhanced Underinsured Motorist Coverage 2024 Last Updated: March 20, 2026 Reading Time: 4 minutes Trusted Content Legally Reviewed by Allan Siegel Updated 2 months ago [Home](https://www.chaikinandsherman.com/) » [Washington DC Car Accident Lawyer](https://www.chaikinandsherman.com/car-accidents/) » [Car Accident Lawyer Maryland](https://www.chaikinandsherman.com/car-accidents/maryland/) » Maryland Enhanced Underinsured Motorist Coverage 2024 What's On This Page [Case Results](https://www.chaikinandsherman.com/case-results/) $18.8 Million Car Crash $2 Million Car Crash $1.9 Million Car Crash $1.37 Million Car Crash $1.1 Million Car Crash $1 Million Car Crash [View All Practice Areas](https://chaikinandsherman.com/practice-areas/) [Testimonials](https://www.chaikinandsherman.com/blog/testimonials-hub/) They were adamant about getting me the best settlement. Torkwase Akinalana Car Accidents Proved to be the perfect advocate Michael Bizik Car Accidents I highly recommend the law firm of Chaikin, Sherman, Cammarata, and Siegel P.C. Anna Pastel-Powell Car Crash Mr. Siegel’s strong conviction, dedication, and determination prevailed in a legal victory. Gail Payne Car Accidents I knew I was in good hands once I stepped into their office. Gladys Ibeh Car Accidents They treated me like I was their only client, from beginning to end. Joy Lopez Car Accidents Contact Us Today! "*" indicates required fields Name* First Last Name* Last Email** Phone*Are you a new client?*Are you a new client? *Yes, I'm a potential new client.No, I'm a current existing client.I'm neitherCase TypeCase TypeMotor Vehicle AccidentSlip & FallAssaultMedical MalpracticeAbuseWork InjuryOtherWere You at Fault?Were You At Fault?NoYesUnknownWhere Did The Incident Occur?Where Did The Incident Occur?Washington, D.C.VirginiaMarylandOtherDid The Accident Occur In the Last Two Years?Did The Accident Occur In the Last Two Years?YesNoShare Brief Description of the Incident* Watch our attorneys explain how they fight for car accident victims across DC, Maryland, and Virginia. With over $1 billion recovered, our team knows how to build a winning case — from investigation through trial. Video Transcript **Speakers:** Ira Sherman, Joseph Cammarata, Stephen Ollar, Allan Siegel **Ira Sherman (00:02):** I would say that Chaikin, Sherman, Cammarata and Siegel has a completely different outlook on cases that other people think are garden variety automobile accidents, because to the person who is involved in that accident, that’s not garden variety, that’s altering their life. **Joseph Cammarata (00:21):** First of all, we don’t advertise. People come to us by word of mouth, either from defense lawyers, from insurance companies, from colleagues at the bar. They know that we have decades of experience in the personal injury field. They know that what we bring to bear is a group of lawyers that work and non-lawyers that work as a team to make sure we understand what the nature and the extent of the injury is. We make sure we understand and can express to a third party just what those injuries are, and we work to obtain the most compensation that we can for an individual. **Stephen Ollar (01:04):** What we do a lot of is discovery, not just discovery of the facts of the case, but discovery about insurance. It may be that the individual was operating the vehicle for an employer, and if they were acting with what we call the course and scope of their employment, then there could be potentially additional coverage that would cover a person for those injuries. **Allan Siegel (01:27):** We’ve been handling car accident cases since Don Chaikin founded this firm over 50 years ago. Since we spend a lot of time and we have a lot of those cases, we have developed a level of experience and knowledge that I think is very unique in our field. There aren’t many law firms who can say that they’ve been doing this type of work for over 50 years. **Ira Sherman (01:52):** I care enough to look to determine who this person is and how it affected them, and that takes up a lot of my conversation with our clients.  If you have been involved in a Maryland car accident, the personal injury attorneys at Chaikin, Sherman, Cammarata & Siegel, P.C. are here to support you. A motor vehicle accident can be a scary event, let alone when that accident is with an uninsured or underinsured driver. Maryland recently enacted some changes to its enhanced underinsured motorist coverage that can affect an injured party’s ability to recover in the aftermath of an accident. Our [car accident attorneys](https://www.chaikinandsherman.com/car-accidents/maryland/) understand the nuances of the underinsured motorist coverage requirements in Maryland and can provide you support in the aftermath of a motor vehicle accident when the other driver does not have insurance. Contact us for a [free consultation](https://www.chaikinandsherman.com/contact-us/) today to learn more about your options through an underinsured motorist claim. ## How Maryland’s Enhanced Underinsured Motorist Coverage Affects Maryland Drivers Maryland’s Enhanced Underinsured Motorist (EUIM) coverage offers substantial benefits to drivers by providing additional financial protection in the event of a motor vehicle accident with an underinsured driver. This type of coverage ensures that drivers can claim compensation up to the limits of their insurance policy, rather than being limited to the often lower liability limits of the at-fault driver’s policy. As a result, Maryland drivers opting for EUIM coverage are less likely to experience significant out-of-pocket expenses for medical bills, property damage, and other associated costs when dealing with accidents involving underinsured motorists. Additionally, this enhanced coverage provides peace of mind and financial security, making it an attractive option for many policyholders in the state. ### Maryland Changes Enhanced Underinsured Motorist Coverage from Opt-in to Opt-out In 2024, Maryland changed the state’s auto insurance landscape by transitioning EUIM coverage from an opt-in to an opt-out system. [Maryland’s new law requires](https://www.chaikinandsherman.com/car-accidents/maryland/car-insurance-requirements/) insurance providers to automatically include EUIM coverage in all new and renewing policies unless policyholders explicitly decline it. The shift aims to improve financial protection for drivers by increasing the likelihood that more individuals will hold this vital coverage, thus reducing potential financial burdens following accidents involving underinsured motorists. This change in Maryland law underscores the state’s commitment to safeguarding its residents on the road, ensuring a more comprehensive safety net, and promoting greater awareness of underinsured motorist risks. By making EUIM coverage the default, Maryland expands access and encourages drivers to consider their insurance needs more thoughtfully. ### Impact of House Bill 128 on Insurance Coverage in Maryland [House Bill 128](https://mgaleg.maryland.gov/mgawebsite/Legislation/Details/HB0128?ys=2023RS) significantly altered the landscape of insurance coverage in Maryland by paving the way for mandatory offering of EUIM coverage to policyholders. Passed by the Maryland General Assembly and enacted into law, this bill mandates that insurance companies present EUIM coverage as an option to all new and renewing auto insurance customers. The primary change introduced by this legislation is that it allows insured individuals to fully utilize their insurance policy limits above the at-fault driver’s liability. Previously, drivers were constrained by the underinsured motorist’s policy limits, potentially leaving them with substantial out-of-pocket costs. House Bill 128 marks a pivotal step in expanding financial protection for Maryland drivers, encouraging them to have more comprehensive coverage against the unpredictable situations presented by underinsured motorists. ## Maryland Uninsured Motorist Coverage Laws Maryland requires that every automobile insurance policy sold in the state includes uninsured motorist coverage, which the Maryland Insurance Code mandates. This coverage ensures that drivers are protected if they are involved in an accident with a motorist who does not have liability insurance. The uninsured motorist coverage must be equivalent to the liability coverage chosen by the policyholder, with a minimum requirement that aligns with the state’s liability insurance limits. As of 2024, these minimum limits are set at $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $15,000 for property damage. Maryland also allows drivers to purchase enhanced coverage options that provide additional protection in cases involving uninsured and underinsured motorists. ## How Underinsured Motorist Protection Works Underinsured motorist (UIM) coverage [acts as a critical safety net](https://www.chaikinandsherman.com/car-accidents/maryland/why-you-should-have-uninsured-motorist-insurance-in-maryland/) for drivers involved in accidents with at-fault drivers whose insurance coverage is insufficient to cover all incurred damages. Typically, after an accident, the underinsured driver’s insurance is required to pay up to the limits of their policy to cover expenses such as medical bills and property damage. However, when these limits are insufficient, UIM coverage kicks in to bridge the gap up to the limits of the injured party’s policy. For instance, if an accident results in $50,000 worth of damages but the at-fault driver only has $25,000 in liability coverage, the UIM protection will cover the remaining $25,000, assuming the policyholder’s UIM coverage is sufficient. It is worth noting that UIM does not overlap with the at-fault driver’s policy limits; instead, it covers the shortfall, offering policyholders a fuller financial recovery without significant out-of-pocket expenses. By ensuring that policyholders can access their own coverage limits, UIM coverage provides peace of mind and financial stability in the aftermath of accidents involving inadequately insured drivers. ## Understanding Maryland Insurance Coverage Requirements Generally Maryland insurance coverage requirements are designed to ensure that all drivers share a basic level of financial responsibility on the roads, thereby offering protection to everyone involved in vehicular travel. At a foundational level, the state mandates all vehicle owners to carry minimum liability insurance, which covers damages for which they are legally responsible. This includes bodily injury and property damage to others arising from an accident. Maryland’s liability coverage minimums, as of 2024, are $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage. Beyond liability coverage, Maryland also requires uninsured motorist coverage, which equates to the liability limits chosen by the policyholder, providing additional protection in the event of an accident with an uninsured driver. These requirements highlight the state’s commitment to protecting drivers and occupants, ensuring the well-being of its residents, and mitigating financial risks associated with car accidents. Maryland’s insurance laws encourage drivers to thoughtfully evaluate and, if necessary, expand their coverage to incorporate enhanced options such as EUIM coverage, further safeguarding against unexpected financial burdens. ## Chaikin, Sherman, Cammarata & Siegel, P.C. Understand the Implications of EUIM Coverage on Your Ability to Recover If you have been injured in a Maryland car accident and seek compensation from an uninsured or underinsured driver, the experienced car accident attorneys at Chaikin, Sherman, Cammarata & Siegel, P.C. are here to help. Contact us for a [free consultation](https://www.chaikinandsherman.com/contact-us/) to learn more about your options. [Watch Our Video Testimonials](https://www.chaikinandsherman.com/blog/testimonials-hub/) Get free advice about the compensation you deserve. At Chaikin, Sherman, Cammarata & Siegel, P.C., our car accident attorneys fight tirelessly to secure the compensation you deserve, handling every aspect of your case to protect your rights. Trust us to stand by you and advocate aggressively on your behalf. Speak to a Specialist Visit Us in Person 1232 17th St NW Washington, DC 20036 The car accident lawyers at Chaikin, Sherman, Cammarata & Siegel, P.C. serve the entire Washington, D.C. metro area, including [Virginia](https://www.chaikinandsherman.com/car-accidents/virginia/) ([Northern Virginia car accident cases](https://www.chaikinandsherman.com/car-accidents/northern-virginia/), [Arlington](https://www.chaikinandsherman.com/car-accidents/auto-accident-attorneys-in-arlington-va/), [Fairfax County auto accident claims](https://www.chaikinandsherman.com/car-accidents/fairfax/), [Woodbridge](https://www.chaikinandsherman.com/car-accidents/woodbridge-va/), [Manassas](https://www.chaikinandsherman.com/car-accidents/manassas-va/), and [Alexandria](https://www.chaikinandsherman.com/car-accidents/alexandria/)) and Maryland ([Bethesda](https://www.chaikinandsherman.com/car-accidents/bethesda/), [Hyattsville](https://www.chaikinandsherman.com/car-accidents/hyattsville/), [Rockville](https://www.chaikinandsherman.com/car-accidents/rockville/), Lau Top 10 Mistakes Made After an Accident Review these common auto accident mistakes to protect your rights. READ OUR E-BOOK Meet Our Team Learn More About Us Ira Sherman Partner Licensed in Washington, D.C., Maryland, and New York With over four decades of courtroom experience, **Ira Sherman** is a powerhouse trial lawyer who has won justice for countless victims of serious injury, discrimination, and medical malpractice. Known for his relentless advocacy, compassion, and proven results, he’s the attorney clients trust when everything is on the line. Ira Sherman's Bio Joseph Cammarata Partner Licensed in Washington, D.C., Maryland, and Virginia A dual board-certified civil trial attorney, **Joseph Cammarata** is nationally recognized for his fierce advocacy, landmark legal victories, and relentless pursuit of justice for victims of serious injury, wrongful death, sexual assault, and civil rights violations. With wins against powerful opponents—including a historic U.S. Supreme Court case securing equal access to justice—he’s the attorney clients trust when they need skill, strength, and results that matter. Joe Cammarata's Bio Allan M. Siegel​ Partner Licensed in Washington, D.C., Maryland, and Virginia **Allan M. Siegel** is a board-certified trial attorney and partner at Chaikin, Sherman, Cammarata & Siegel, P.C., known for securing justice in serious personal injury, brain injury, and wrongful death cases. Recognized as one of Washington’s *Top 100 Super Lawyers®* and a *Best Lawyer®* in America, he combines strategic precision, courtroom skill, and relentless advocacy to win full and fair compensation for his clients. Allan Siegel's Bio Stephen Ollar Partner Licensed in Washington, D.C., Maryland, and Virginia **Stephen Ollar** is an award-winning trial attorney and U.S. Army veteran dedicated to holding negligent individuals and corporations accountable. Recognized as a *Super Lawyers Rising Star* from 2020–2025, he’s known for his tenacity, precision, and unwavering pursuit of justice in personal injury, auto accident, and medical malpractice cases. 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