Much like PIP coverage, uninsured/underinsured motorist coverage is an additional level of insurance you can purchase to protect yourself should an accident occur. Many drivers in Maryland do not have liability insurance coverage, which means you may not be able to collect an adequate amount of compensation if an uninsured or underinsured driver caused your accident. Possessing this coverage means you are not left vulnerable to additional costs when you have already suffered harm.
It is important to note that uninsured/underinsured motorist coverage clauses in insurance policies are very complex and can be difficult to navigate. As such, it is crucial you have a knowledgeable attorney to help you prepare and file a claim to collect damages following an accident with an uninsured or underinsured driver.