What Happens if the Driver Responsible for My Injuries Only has the Minimum Insurance Coverage Required by the State of Maryland?

Item: Lebowitz & Mzhen Personal Injury Lawyers
Rating: 5
Author: John C.

If you are seriously injured in a Maryland car accident and find that the at-fault driver only carries the minimum coverage, that amount may not be sufficient to handle all of your hospital and doctor bills. The result is that you may have to sue the other driver directly to recover the balance of your damages. Here in Maryland, the current minimum insurance coverages required by law are:

$30,000 for injury or death of a single person
$60,000 (total) for injury or death of multiple individuals
$15,000 for property damage

At Lebowitz & Mzhen, LLC, our seasoned personal injury attorneys have the legal background and litigation skills to help you recover what you deserve under the laws of the State of Maryland. We understand how extensive medical procedures and doctor visits can quickly add up in the wake of a bad automobile or commercial trucking accident. With the help of a qualified attorney, you may find that you have additional options to recover the balance of your medical and physical rehabilitation costs from the at-fault driver.

When considering whether or not to retain a lawyer to help you with your injury claim, it is important to keep in mind that when you file a claim with an at-fault driver’s insurance company, actually getting your money (even for policies with minimum coverages) may not be as easy as one might hope. This is because insurers often fight claimants throughout the accident claims process — from the initial settlement negotiations to a trial, if it comes to that. Therefore, in our experience, it is an absolute necessity to retain a qualified attorney so that you know your legal rights are being protected.

★★★★★

Throughout the process [of the motor vehicle collision case] you were available, responsive and up front. You were available for my questions, and my need for reassurance, and when the opportunity arose to better the outcome of my case, you did not shy away from the extra work. You have proven yourself to be an honest, realistic and caring advocate for the little guy in need. I will refer your firm to any who may be in similar need. John C.

I can't thank you enough for your efforts and dedication to resolving my case. I also want to thank you for your consistent professional manner, touched with that extra personal care that I sensed whenever we communicated. . . . You are a wonderful person and I wish you continued success. Again, thanks for everything. Hallie W.

I am proud to have had Lebowitz & Mzhen represent me in an automobile personal injury case I was involved with. Not only did they come through with a settlement worth far more than I thought possible, the entire office was always friendly, knowledgeable, and ready to answer any questions I had. Should an incident like this occur again, I will not hesitate to contact Lebowitz & Mzhen for their counsel, advice and representation, and I would wholeheartedly recommend them to anyone seeking honest and effective attorneys. Mark B.

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