What happens if the driver who hit me was uninsured or did not have enough insurance to pay for my injuries?

If the driver who hit you was uninsured or underinsured, you could file a claim with your own insurance policy. Maryland law requires motorists to purchase minimum amounts of uninsured motorist (UM), underinsured motorist (UIM), or enhanced uninsured motorist coverage (EUIM).

The minimum limit is $30,000 per person or $60,000 per accident for bodily injury and $15,000 per accident for property damage. UM/UIM/EUIM coverage can help cover the costs of your pedestrian accident losses when the other party’s insurance policy is nonexistent or insufficient. A skilled experienced pedestrian accident lawyer can help you navigate the process of filing a claim with your insurance company.