--- description: In Maryland, where insurance laws have a unique structure, having uninsured motorist coverage can prove to be a lifeline in difficult times. title: Why You Should Have Uninsured Motorist Insurance in Maryland --- Why You Should Have Uninsured Motorist Insurance in Maryland # Why You Should Have Uninsured Motorist Insurance in Maryland Last Updated: November 20, 2025 Reading Time: 8 minutes Trusted Content Legally Reviewed by Allan Siegel Updated 7 months ago [Home](https://www.chaikinandsherman.com/) » Why You Should Have Uninsured Motorist Insurance in Maryland What's On This Page [Case Results](https://www.chaikinandsherman.com/case-results/) $35.6 Million Medical Malpractice $18.8 Million Car Crash $17.1 Million Medical Malpractice $15 Million Neck & Spine Injury $14.25 Million Class Action $6 Million Brain Injury [View All Practice Areas](https://chaikinandsherman.com/practice-areas/) [Testimonials](https://www.chaikinandsherman.com/blog/testimonials-hub/) I would never worry again if they are on the case. Tilwanda Dofat Personal Injury They held my hand through the entire process. Meraf Mitchell They paved the way for a brighter future. Sheree Whitby I’m greeted with a hug every time I come. Sheba Halliburton Personal Injury They are always was available for any of my concerns. Teresa Morring Your office has taken care of us every step. Shyama Personal Injury 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* The firm’s four partners discuss their litigation approach and institutional credentials — including over $1 billion recovered, Tier One Best Law Firm recognition, three partners who served as presidents of the DC Trial Lawyers Association, and two Super Lawyers Top 100 honorees. For whistleblower and qui tam clients, the firm brings the same resources, trial readiness, and willingness to confront powerful entities. Video Transcript **Speakers:** Ira Sherman, Joseph Cammarata, Stephen Ollar, Allan Siegel **Joseph Cammarata (00:01):** How do you pick the right personal injury lawyer? How do you know who to trust? This is the most important decision you’re going to make right now. The question is how do you get it right? **Allan Siegel (00:14):** For more than 50 years, we’ve gone to battle for our clients. We represent the victims of car bus and truck collisions, bike wrecks, traumatic brain injuries, and medical malpractice. We fight insurance companies, corporations, and governments at Chaikin, Sherman, Cammarata and Siegel. We know what it takes to win, and we’re proud of the reputation that we’ve built as advocates for the people. **Ira Sherman (00:45):** Experience matters. That’s just the truth. There’s no other way to excel for our clients other than years of hard work. We’ve dedicated our entire professional careers to this cause and what do we have to show for it? Over $1 billion in compensation for our clients. Named Tier One Best Law Firm in Personal Injury Litigation. Three partners who served as presidents of the metropolitan DC Trial Lawyers Association and justice for tens of thousands of clients. **Stephen Ollar (01:22):** Needing a lawyer and finding one can be a scary and overwhelming process. We strive to take the fear and uncertainty out of that process, unlike other firms. When you call our firm, you will always speak with an attorney about your case. As a former staff sergeant in the United States Army, I know what it means to serve and we serve our clients by providing unmatched representation and the expertise to win cases. **Joseph Cammarata (01:50):** Our firm’s mission has always been to represent people from every walk of life, young, old, rich, poor, large cases. In the small ones that comes from our founder, Donald Chaikin. I will never forget what he would tell people. He would say, we fight for those you love. **Allan Siegel (02:09):** We are local and national leaders in the personal injury field. There are not many law firms that have our combination of awards and achievements. We have two trial lawyers recognized in the Super Lawyer’s Top 100 list. Ira Sherman served on the board of the Brain Injury Association of America for many years. Joe Cammarata is a past chair of the AAJ Traumatic Brain Injury Litigation Group, and I recently served as the chair of AAJ’s bus litigation group. Look, if people come in, the world **Ira Sherman (02:40):** is turned upside down. They don’t know where to turn next. When you hire us, we’re going to be doing all we can to obtain justice on your behalf. You just got one thing to do, which is to get **Allan Siegel (02:53):** better. We are Chaikin, Sherman, Cammarata and Siegel. Personal Injury Attorneys in Washington, DC. ## The Benefits of Uninsured Motorist Coverage In an ideal world, every motorist on the road would have adequate insurance coverage. Unfortunately, we live in a reality where this isn’t always the case. Uninsured motorist coverage is a critical component of your auto insurance policy that protects you against the unexpected—like an[ accident with an uninsured driver](https://www.chaikinandsherman.com/car-accidents/uninsured-underinsured-motorists/). In Maryland, where insurance laws have a unique structure, having uninsured motorist coverage can prove to be a lifeline in difficult times. Continue reading to learn about the specific benefits this coverage offers and why every Maryland driver should consider it. ## Understanding Uninsured Motorist Insurance Uninsured Motorist Insurance, often abbreviated as UM insurance, is a type of auto insurance coverage that protects you if you’re involved in an accident with a driver who[ does not have liability insurance](https://www.chaikinandsherman.com/car-accidents/what-happens-if-someone-hits-you-without-insurance/) or in the case of a hit-and-run incident. This coverage also applies if the other driver’s insurance is insufficient to cover the costs associated with the accident. In Maryland, UM insurance covers both bodily injury and property damage, meaning it can help pay for medical expenses, lost wages, and even repair costs for your vehicle. In the event of an accident where the at-fault driver is uninsured, your UM insurance steps in as if it were the other driver’s liability coverage. It’s an essential safeguard that ensures you won’t bear the financial burden alone when faced with such unfortunate circumstances. ## The Statistics: Uninsured Drivers in Maryland Encountering an uninsured driver in Maryland is more common than you might think. According to the Insurance Information Institute, roughly 12.4% of motorists or about one in eight drivers, in Maryland were uninsured in 2019. These figures may seem insignificant at first glance, but when you consider the state’s population, it translates to a substantial number of drivers on the road without adequate insurance coverage. This means that if you are involved in an accident in Maryland, there is a significant chance that the other driver could be uninsured. Such statistics underscore the importance of having uninsured motorist coverage as part of your auto insurance policy in Maryland. It’s not just about complying with the law—it’s about shielding yourself financially and ensuring peace of mind every time you hit the road. ## Is Uninsured/Underinsured Motorist Coverage Mandatory in Maryland? In accordance with Maryland law, it is indeed mandatory for drivers to purchase uninsured/underinsured motorist bodily injury liability insurance. The law specifies a minimum coverage amount of $30,000 per person for any injuries sustained in an accident, with a limit of $60,000 per accident. This mandatory car insurance coverage ensures that, even in situations involving uninsured or underinsured drivers, victims can secure at least some financial recovery for their injuries. However, it’s important to note that these are simply the minimum amounts stipulated by law. Drivers have the option—and indeed may find it advantageous—to purchase coverage exceeding these statutory minimums, providing an additional safety net in the case of serious accidents. ## Benefits of Uninsured Motorist Coverage ### Financial Protection The primary benefit of uninsured motorist coverage is the financial protection it provides. If you’re involved in an accident with an uninsured or underinsured driver, you can end up facing significant out-of-pocket expenses. This can include medical bills, property damage, and loss of income due to injuries. Without uninsured motorist coverage, you would be solely responsible for these costs. However, with this type of coverage, your insurance company would step in to cover these expenses, saving you from potential financial hardship. For example, consider a scenario where the other driver is at fault but doesn’t have insurance. If the cost to repair your vehicle and your medical bills total $20,000 without uninsured motorist coverage, you would need to find a way to cover those costs yourself. But, if you have uninsured motorist coverage, your insurance company would cover these costs up to your policy limit. Moreover, in the event of a hit-and-run accident where the other driver is not identified, uninsured motorist coverage would still apply, providing you financial protection even in these most challenging situations. This coverage can also cover you in situations where you are a pedestrian or cyclist and are hit by an uninsured or underinsured driver. In short, uninsured motorist coverage can save you from significant financial loss and stress in the wake of an accident with an uninsured or underinsured driver, providing you with a critical financial safety net. ### Coverage in Hit-and-Run Accidents One of the most distressing aspects of a hit-and-run accident is the perpetrator leaving the scene without being identified. This can leave victims feeling hopeless and burdened with financial costs. However, if you have uninsured motorist coverage in Maryland, this unfortunate scenario becomes significantly less daunting. Uninsured motorist coverage provides protection for victims of[ hit-and-run](https://www.chaikinandsherman.com/car-accidents/what-to-do-after-a-hit-and-run-accident/) accidents, even when the perpetrator is never found. This coverage kicks in to cover medical bills, vehicle repair costs, and other associated expenses that arise from the accident. It’s akin to having a safety net that catches you when the unexpected occurs, ensuring that you don’t bear the brunt of financial distress caused by a hit-and-run driver. By including uninsured motorist coverage in your auto insurance policy, you’re not just protecting your wallet—you’re investing in your peace of mind, knowing that you’re covered in case of such events. ### Protection For Your Passengers Uninsured motorist coverage also extends to[ protect your passengers](https://www.chaikinandsherman.com/car-accidents/injured-as-a-passenger-in-a-car-accident/) in the event of an accident with an uninsured or underinsured driver. If you have friends, family members, or other individuals riding with you, they can also benefit from this coverage if they sustain injuries in an accident caused by someone without adequate insurance. This additional level of protection is invaluable and can provide crucial financial support for your loved ones in a time of need. ### More Coverage In Other Scenarios Underinsured motorist coverage plays a vital role in more than just accidents involving uninsured or inadequately insured drivers. It can also provide substantial financial protection in other types of incidents. For instance, if you are struck by a driver who has insurance but whose coverage limits are insufficient to cover the total cost of your injuries or property damage, your underinsured motorist coverage can step in to bridge the gap. This ensures that you’re not left with the burden of covering these additional costs out of your own pocket. Moreover, if you’re involved in a multi-vehicle accident where multiple parties are at fault, underinsured motorist coverage can help cover costs that exceed other drivers’ insurance limits. In essence, having underinsured motorist coverage adds an extra layer of protection, ensuring you’re financially secure in various accident scenarios. ### Supplementary Coverage An additional advantage of uninsured motorist coverage is the supplementary coverage it provides when the at-fault driver’s insurance is inadequate. In situations where the costs of damages exceed the limits of the at-fault driver’s coverage, it may seem like you’re left holding the short end of the stick. However, with UM insurance, you won’t have to worry about these unexpected shortfalls. Your uninsured motorist coverage can supplement the amount, bridging the gap between the at-fault driver’s insurance limit and the actual costs of damages. This ensures that you are fully compensated, regardless of the limitations of the other driver’s policy, further fortifying your financial protection on the road. ### Legal Compliance In Maryland, maintaining uninsured motorist coverage is more than a prudent safety measure—it’s a legal requirement. The state’s traffic laws dictate that drivers must carry, at the very least, the minimum amount of uninsured motorist coverage [stipulated by law.](https://www.chaikinandsherman.com/car-accidents/maryland/car-insurance-requirements/) This mandate is not just about ensuring financial protection for motorists; it’s also about upholding law and order on the roads. Therefore, by securing uninsured motorist coverage, you’re not only safeguarding your financial interests but also ensuring that you remain compliant with Maryland’s traffic laws. This adherence to the law can save you from potential legal troubles while also promoting safer roadways for everyone. ### Peace of Mind Lastly, but certainly not least, uninsured motorist coverage provides peace of mind. Knowing that you are covered in the event of an accident with an uninsured or underinsured driver alleviates worry and allows you to focus on what’s truly important—recovering and moving forward. This peace of mind extends beyond the immediate aftermath of an accident. It means not having to stress about the potential financial burden of medical bills, vehicle repairs, or lost wages. It means having the backing of your insurance company to navigate these challenges rather than facing them alone. Ultimately, the peace of mind afforded by uninsured motorist coverage is priceless, creating a sense of security every time you get behind the wheel. This list is not exhaustive, but it gives an overview of how uninsured motorist coverage can benefit Maryland drivers. Insurance is a necessary protection against the unpredictable, and uninsured motorist coverage ensures you are protected even when other drivers fail to take that responsibility. ## Types of Uninsured Motorist Insurance Uninsured motorist insurance comes in two main types: ### Uninsured Motorist Bodily Injury (UMBI) Uninsured Motorist, Bodily Injury coverage protects you and your passengers if you’re involved in an accident with an uninsured or underinsured driver and bodily injuries are sustained. It can cover medical bills, lost wages, and pain and suffering. ### Uninsured Motorist Property Damage (UMPD) This type of coverage protects your property, usually your vehicle, in the event of an accident with an uninsured or underinsured driver. It can help pay for repairs to your vehicle or replacement of damaged property. It’s important to note that the specific details of these coverages can vary from state to state and from one insurance company to another. Always consult your insurance provider to understand the extent of your coverage in your own car insurance policy. ## How To File An Uninsured/Underinsured Motorist Claim If you are involved in an accident with an uninsured or underinsured driver, it’s crucial to know the steps to file a claim with your own insurance company. ### Notify the Authorities As soon as the accident occurs, contact law enforcement. A [police report](https://www.chaikinandsherman.com/car-accidents/maryland/how-to-get-a-police-report/) provides an objective third-party account of the incident, which can be crucial evidence when filing your claim. ### Document the Incident Take photos or videos of the accident scene, your vehicle, and any injuries sustained. Also, collect contact information from any witnesses present. ### Seek Medical Attention Even if injuries are not immediately evident, [see a healthcare professional](https://www.chaikinandsherman.com/car-accidents/should-i-go-to-the-hospital-after-a-car-accident/) right away. Some injuries may not manifest until later, and having a medical record linking your health condition to the accident is important. ### Contact Your Insurance Company Report the accident to your insurance provider as soon as possible. Inform them that the other driver was uninsured or underinsured. ### File the Claim Your insurer will guide you through the process of filing a claim. Provide them with all the documented evidence from the accident, including the police report and medical bills. ### Seek Legal Help If Necessary If the insurance company refuses to honor your claim or offers a settlement that does not cover the full extent of your damages, you may need to seek legal assistance. A personal injury lawyer can help negotiate with the insurance company on your behalf and ensure you receive fair compensation for your uninsured motorist claim. **Uninsured motorist coverage is an essential aspect of car insurance for Maryland drivers. It provides financial protection, legal compliance, and peace of mind in the event of an accident with an uninsured or underinsured driver.** ## Our Car Accident Lawyers Are Here For You In the event of an accident involving an uninsured or underinsured motorist, remember that you are not alone in this challenging situation. Our team of[ experienced car accident lawyers](https://www.chaikinandsherman.com/car-accidents/maryland/) at Chaikin, Sherman, Cammarata, & Siegel P.C. is here to provide the necessary legal assistance and support. We are uniquely equipped to navigate the complexities of uninsured motorist claims, ensuring that your legal rights are upheld and you receive the compensation you are entitled to. We encourage you to reach out to us at your earliest convenience following an accident. Your road to recovery begins with a single, simple step—[contact us](https://www.chaikinandsherman.com/contact-us/) today. ## 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 whistleblower and qui tam attorneys at Chaikin, Sherman, Cammarata & Siegel, P.C. represent individuals who report fraud against the federal government in cases involving [qui tam False Claims Act actions](https://www.chaikinandsherman.com/whistleblower-cases/qui-tam/), [health care fraud](https://www.chaikinandsherman.com/whistleblower-cases/health-care-fraud/), [Medicare and Medicaid fraud](https://www.chaikinandsherman.com/whistleblower-cases/medicare-medicaid-fraud/), [government contractor fraud](https://www.chaikinandsherman.com/whistleblower-cases/government-contractor-fraud/), and [Anti-Kickback Statute violations](https://www.chaikinandsherman.com/whistleblower-cases/anti-kickback-statute/), with full guidance on [whistleblower protections](https://www.chaikinandsherman.com/whistleblower-cases/whistleblower-protections/) and [retaliation claims](https://www.chaikinandsherman.com/whistleblower-cases/can-my-employer-retaliate/) for those considering coming forward. 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. Stephen Ollar's Bio ## Related Articles Read More Blog Articles Why You Should Have Uninsured Motorist Insurance In DC Why You Should Have Uninsured Motorist Insurance in Maryland Can My Employer Retaliate? Government Contractor Fraud Health Care Fraud Medicare & Medicaid Fraud Whistleblower Protections Anti-Kickback Statute Qui Tam Marriott Faces Massive Class Action Lawsuit Over Data Breach That Exposed Private Information of Millions of Guests Marriott International, one of the world’s leading hotel chain operators, is facing a massive class-action Read More » 02/18/2019 [](https://www.chaikinandsherman.com/blog/2016/09/virginia-appeals-court-upholds-medicaid-fraud-conviction/) Uncategorized Virginia Appeals Court Upholds Medicaid Fraud Conviction A federal appeals court in Virginia recently upheld the Medicaid fraud conviction against the married Read More » 09/27/2016 Can Multiple Whistleblowers File a Single Case? The False Claims Act bars duplicate claims filed based on the same information as previous whistleblower Read More » 07/26/2016 Can a Whistleblower Who Filed Bankruptcy Pursue a False Claims Act Case? 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