Do I Need UM/UIM Insurance in Maryland?

Car Accident Lawyer Recommends Uninsured Underinsured Motorist Coverage

Video Transcript:

Rob Rosenthal:

Do you know what UM/UIM insurance is? And do you need it if you're a driver in Maryland? We ask Maryland attorney Gwen-Marie Davis Hicks in this AskTheLawyers™ Quick Question.

Gwen-Marie Davis Hicks:

Absolutely. I sadly did a case recently which was a wrongful death case, and in Maryland, the liability limits are only $30,000. So of course, the at-fault driver's insurance paid the $30,000 up front, but of course, that can't help at all for a serious injury or when you lose a loved one, so it's important to have what you want to call underinsured motorists or uninsured motorists. What that is essentially, is every month you pay a contract to your insurance company, so that if somebody hits you with a very low policy, you're able to use your insurance to help offset that. You want to make sure that you understand your policy, get underinsured motorist; this will cover you if a drunk driver hits you and just runs from the scene, obviously you might not know who it was, or a hit and run. It's good to have uninsured motorist coverage as well.

Disclaimer: This video is for informational purposes only. In some states, this video may be deemed Attorney Advertising. The choice of lawyer is an important decision that should not be based solely on advertisements.