Many drivers cannot afford to purchase motor vehicle insurance. As a result they either go without insurance or carry inadequate insurance cover.
The injured needs to bring a claim with his insurance company for personal injuries suffered due to negligent or reckless driving of such uninsured or underinsured motorist. Though uninsured motorist has no liability coverage but he is legally responsible for the injuries. In such cases accident victims seeks to recover uninsured motorist claims from his insurance company.
Hit-and – run motorists inflicting accident injuries without leaving behind sufficient trail for identification are also treated like uninsured drivers. Injured victims of such hit-and – run motorists are also entitled to uninsured motorist claims from the insurer.
Maryland statute forbids insurance companies from using binding arbitration clause in their uninsured or underinsured motorist coverage.
