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Un-Insured/Under-Insured Motorist Coverage – What Is It And How And When Will You Need It!

Posted on: June 17, 2014

Everyone knows that before the DMV in Maryland will give you tags for your motor vehicle you must prove that you have valid insurance on that vehicle. Some simply want the least expensive insurance coverage that the State of Maryland demands that you have in order to register a vehicle in this state. If the minimum coverage is selected by the owner of the car, the coverage in the State presently will provide you with a policy which carries a liability limit of 30/60/10. This coverage is called “split limits” coverage. Very few policies that carry a “single” limit benefit. For the purposes of this discussion, we will explain split limits and how it may benefit you in the event you are in an accident.

30/60/15 – This means that in the event you are in an accident your insurance company will pay no more than $30,000.00 to any one individual for bodily injury claim submitted and $60,000.00 to any and all people injured.  So if five people are injured by you and the accident is deemed to be your fault or the operator of your vehicle’s fault, then the most your carrier will pay out to all five is $60,000.00.  But no one can receive more than $30,000.00.   The $15,000 figure coverage covers the PROPERTY DAMAGE that you or the driver of your car causes due to an accident deemed to be your fault.  So when you lend your vehicle out to someone in Maryland, understand that insurance in Maryland “follows the car” not the “person”.  However, if you or the driver you lend your car out to totals a new Mercedes Benz, it is the driver’s responsibility to pay the short-fall.

If you have MAIF, the state’s coverage offered primarily to those owners and drivers that cannot find a private insurance company to underwrite the coverage the most coverage offered is the minimum 30/60/15.  (these limits were recently raised in the past year from 25/50/10)

If you do have insurance with a private insurance insurance company, i.e. State Farm, Nationwide, Allstate etc. then you are able to select HIGHER LIMITS to not only protect you against being sued for more money than your policy will pay in the event you cause an accident which results in claims valued at more than the limits contracted for in your policy with your carrier.  The higher the limits, the more you are protected. 

The same goes for Un-Insured Motorist coverage, which also operates as Under-Insured Motorist coverage.  Should you be driving and another driver causes an accident and flees the scene and there is NO conflict as to what happened, your Un-Insured Motorist policy and coverage steps in to protect to you to the extent of that coverage.  This is called a “phantom driver” accident.  Un-Insured/Under-Insured Motorist coverage is extended as a benefit up to the limits of coverage ONLY IF the fleeing driver was 100% at fault.  (Maryland is a Contributory Negligence state).

Un-Insured Motorist coverage is also extended by YOUR company should the accident be caused by someone else and that person for whatever reason HAS NO COVERAGE ON THE VEHICLE THEY ARE DRIVING.  They may not have paid their premium and the insurance coverage that had been on the car lapsed.  YOU ARE STILL PROTECTED BY YOUR OWN INSURANCE POLICY.

To what extent am I protected in this case?   If you select limits of 50/100/50 with your carrier, your company will pay up to $50,000.00 to repair your vehicle.  The deductible applied to such a claim is normally approximately $200.00 to $250.00.  This differs from the deductible applied to your “collision” coverage which can run up to $1,000.00.  It is very important in these cases to get the correct coverage to apply because using your collision insurance can result in you being “charged” for the accident, thereby subjecting you to a rise in your premium or cancellation of your policy.  This is why is it very important to contact an attorney to insure the correct coverage are being utilized in these cases.

What is Under-Insured Motorist coverage? 

All policies written in the state of Maryland must have Un-Insured/Under-Insured Motorist coverage limits that MATCH what you chose as LIABILITY limits.  The only exclusion is that you as the owner and insured selects NOT TO HAVE THEM MATCHING AND SIGNS A WAIVER, selecting UM coverage of a lesser amount.  Without the signed waiver, the limits MATCH.

In the event you are involved in an accident and injured by another driver with LESS coverage than you, and the value of your bodily injury claim exceeds the coverage limit of the at-fault driver’s policy, you would have the benefit of the difference between the coverage of that driver and your policy.  The same applies to UM/UIM/P/D.   For example, a MAIF driver causes the accident and you are injured.  Your car is a 2006- $45,000 Mercedes Benz and it is totaled.  MAIF tenders its limit of $15,000.00 to fix your car.  Your company kicks in another $30,000 under UM/PD to pay for the total loss and the deductible associated with your coverage is applied. You are nearly fully compensated for your total loss of your car.  But if you have only 30/60/15 you are out of luck.

The same applies to your bodily injury claim. Should your claim have a value of more than $30,000.00, your company in this case, would kick in up to another $20,000.00.  (Total amount available to pay for your bodily injury claim is $50,000.00).  The law is whatever you have in UM coverage is compared to that of the at-fault driver’s policy.  If you have more than the liability coverage afforded then you have the right to assert a claim for the “excess” or difference of that policy and your own.   Should the at fault driver have 50/100/50 your company will pay nothing on the UM/UIM claim.

Most policies in the State of Maryland carry liability and UM of 50/100 or 100/300.

Another point to remember is that Un-Insured Motorist coverage “follows” you and your household residents/family to protect you in the event you are involved in an accident involving any motor vehicle whether you or your family be injured while riding  a bike when injured, in a taxicab, on a bus, etc..  It is a very important coverage and one all should understand its benefits and when it applies to the loss.

There is more to Un-Insured/Under-Insured Motorist coverage than this article addresses and an experienced attorney will be able to guide you thru the process of filing a claim under all of the appropriate coverage and policies that are available to compensate you after an accident involving a motor vehicle.

Read Some of Our Recent Client Reviews!

LaTisha Johnson
LaTisha Johnson
05:55 16 Nov 19
My daughter and I were involved in a car accident in February 2019. The other driver was at fault. My paralegal was Marisa Wise and she was great at settling my claim and ensuring that we were satisfied throughout the entire litigation process. Thanks!!!!
Marsha Smith
Marsha Smith
03:47 06 Nov 19
The law office of Bob Katz handled my case when I was in a car accident involving a drunk driver. Rebecca's Slattery was the Paralegal that worked with me. She was very helpful and made what could have been a difficult process very easy for me.
jennifer Yoo
jennifer Yoo
19:00 01 Oct 19
The Katz office represented me for my auto accident case and i would like to thank them for their hard work. My paralegal, Jennifer Bolton helped me through the whole process and did a great job with the settlement. This office was very professional and pleasant to work with. i would recommend anyone to choose Bob Katz as their attorney for any personal injury they had with their auto accidents. 👍🏻
Tiffany Lumpkin
Tiffany Lumpkin
20:30 11 Sep 19
This office and specifically my paralegal Marisa is fantastic! I’m confident I received the best possible settlement for my claim and Marisa was amazing throughout the entire process.
Makeda Richardson
Makeda Richardson
00:34 28 Aug 19
Attorney Bob Katz handled my accident case with the optimal level of professionalism, promptness and care. They kept me informed every step of the way and made me feel very comfortable and protected. I would definitely recommend their firm!
Jung Woo
Jung Woo
19:48 26 Aug 19
I got rear-ended by an uninsured motorist in January of 2019. I worked with Marisa Ward, who took great care of me. She was very responsive and made sure that she had all the details of my case. In July, after all my treatment was finished, I received a large settlement. I would not have received this settlement if I had dealt with only my insurance for this accident. I highly recommend working with Bob Katz if you are involved in any type of vehicle accident.
Marie Florence Kouadjo
Marie Florence Kouadjo
17:09 02 Aug 19
Marisa Ward took my case for an accident. she was very professional and very patient with me. the outcome of her work was even more surprising. I would recommend her if you are looking for help with your personal injury case. Thanks again Marisa
Marie Florence Kouadjo
Marie Florence Kouadjo
17:09 02 Aug 19
Marisa Ward took my case for an accident. she was very professional and very patient with me. the outcome of her work was even more surprising. I would recommend her if you are looking for help with your personal injury case. Thanks again Marisa
Sherrie Doody
Sherrie Doody
22:46 11 Jun 19
I have been working with this firm for over a year and they have been very supportive and knowledgeable. I've been working one on one with Rebecca Slattery who has been amazing in helping me through this whole process... I would recommend this firm to any of my colleagues.
April Runk
April Runk
21:08 07 Jun 19
I love this office in the Baltimore area. Marisa Ward went above and beyond as my paralegal. I could not have asked for a better assistance. Meghan Young help me all the way up to the court date. She kept me informed the entire time. This is a very informative and efficient team. I didn't have to do the work, they took care of everything. Thank you for all your hard work. April Runk
Monica B
Monica B
13:49 10 May 19
I loved the staff from this office. They are so easily reachable and so informative. They update me on the status of my settlement so I know what going on. They are so quick with the processing. I recommend here. So far best Attorney office ive worked with. I will definitely be working with them again. Each attorney know what they're doing. Thank you for making my first experience so positive.
Soo Kim
Soo Kim
20:40 03 May 19
I worked with Bob Katz and Jennifer Bolton during my settlement case and highly recommend their team! Ms. Bolton was there for me the every single step of the way and I could not be happier. Everyone is very professional, quick, and you will not be disappointed!
Sancho Martin
Sancho Martin
22:38 18 Apr 19
I usually don't write reviews but this one by far was well worth it. Attorney Megan Young went above and beyond for me, in a matter i had lingering on for almost a year and she helped me settled it in less than 60 Days! If I could give 10 stars i would but unfortunately it only allows 5 stars.And the Paralegal Ms.Kristen Turner was also a great help in every step of the way with my case. Thank you guys again!! I would recommend them to any and everyone!
An Tran
An Tran
21:51 18 Apr 19
Attorney Bob Katz helped me from start to finish with extreme care and consistency. They are there for you during the process and will do their best to serve you and keep you well informed. My experience with this office was great and I highly recommend Attorney Bob Katz.
Brooke Adams
Brooke Adams
16:05 10 Apr 19
I loved having Attorney BobKatz help me with my recent car accident. Ms. Erica was very helpful as well. Very friendly and personable. I would definitely recommend everyone to choose Attorney BobKatz if they are in need of help!
Theo Ngongang
Theo Ngongang
16:08 04 Apr 19
Attorney Bob Katz and his team provided me with great guidance and assistance throughout the process of working toward a settlement. Very professional team, knowledgeable and patient. Thank you again!
Seo Young Hong
Seo Young Hong
15:54 04 Apr 19
I had positive experience with Attorney Bob Katz office. They were really helpful and really quick in response to all the questions that I have throughout the case. Special thanks to my paralegal, Christina Franetovich and Mrs. Yun, Korean interpreter. I would highly recommend this firm to anyone and especially that needs interpreter.
Felicita Lopez
Felicita Lopez
20:15 15 Mar 19
I have had a very good experience with this attorney. They have been patient with me and have updated me on any news of my case. At first I wasn't sure if I should have chosen them but after a few meetings they have been nothing but nice and understanding. They pushed through and fought to get me through this case without any worries. 10/10 would recommend them to anyone looking for an attorney.
Carla Young
Carla Young
18:09 11 Mar 19
This was my first time ever having to go through a situation like this with a car accident. My main contact was Erica & she was very supportive & informative. She made the whole process seem so effortlessly. They even went to bat with some of my medical providers ro lower my balance with them. I hope I never need an attorney again, but if I do I will surely give them a call.
Atiq Vahora
Atiq Vahora
17:43 04 Mar 19
My family has used this law firm for almost 16 years on our car accident cases. Accidents are stressful experiences, but their law team is very supportive throughout the ordeal. The staff is friendly, professional, and always working to find the best possible outcome for me. As drivers, we just want to get things fixed quickly and move on with our lives. All that is required besides the facts is a little patience. With Bob Katz, I feel assured that someone I can trust has my back.
jungsun Park
jungsun Park
19:00 28 Feb 19
I am very pleased with the service that Attorney Bob Katz and his legal team has provided. I would highly recommend!
Amartuvshin Batbaatar
Amartuvshin Batbaatar
02:42 11 Feb 19
I am very grateful for handling my several car accident claims and they were helpful and responsive to all our questions and concerns. I highly recommend them without any reservations.
anthony henry
anthony henry
21:01 07 Feb 19
It was a pleasure to work with Christina Franetovich She is awesome! She kept me well informed throughout the whole process. Thanks for all your hard work! I would definitely recommend her for your legal needs
Angel Boyd
Angel Boyd
14:32 28 Jan 19
Christina has been really helpful with settling both of my accident claims even with my nervousness and constant questions lol. But she worked with me and settled it. She is also available for my diminished value claim (which I'm trying not to annoy her with lol). I would recommend this firm and will probably stick with this firm for any accidents in the future. Hoping there aren't anymore tho
karla rivas
karla rivas
04:37 18 Jan 19
Great Team & Great Attorneys very good lawyers and excellent work. happy with the case.
Fadie Mohammad
Fadie Mohammad
14:54 08 Jan 19
Worked with Sarah Treuhaft (Paralegal) when retained Bob Katz's office. Sarah was absolutely amazing to work with, she was very professional and prompt with everything she did. She would respond to any inquiries I had immediately and never hesitated to hop on the phone to clarify or assist with anything, regardless of how early or late it was. I definitely highly recommend her and this law office.
Kelly Kess Malone
Kelly Kess Malone
15:50 20 Nov 18
Very helpful paralegals and attorney assistants. Also informative on various types of cases. Reasonably priced for the work that they provide.
Brittany Peterson
Brittany Peterson
08:19 17 Nov 18
Had a very awesome experience fast settlements... Communication was a A+ ...Strongly recommend Mr.Katz. !!! Ms. Robin made me felt like family was always there when i needed her and when i had a question.
Yarnell Goodwin
Yarnell Goodwin
23:38 15 Nov 18
Got a little more settlement money than expected. Was provided great service and prompt responses. I greatly appreciate it!
Ashley Poole
Ashley Poole
01:05 08 Nov 18
Attorney Bob Katz and his staff are highly recommend. Customer Service was impeccable. Every phone call and email was responded to in a timely manner. Natalie Ulrich was very professional, helpful and thorough every step of the way, which resulted in a stress free experience. I will recommend this law firm to family and friends!
Tania Jefferson
Tania Jefferson
17:51 06 Nov 18
Customer service was A+. All questions were answered promptly and information was shared appropriately. Concerns were addressed and I was made aware of all updates on my case. I would whole heartedly recommend this firm.
edward Robinson
edward Robinson
03:00 06 Nov 18
I highly recommend Mr. Katz and his staff. They were friendly, compassionate and really showed they had their clients best interest at heart. There was never a time you called them they didn't respond or returned your calls and answer your questions.They took the worry, and stress and turn it into reassurance. They were diligent and just down right professional. My wife and I really thank God for allowing us to cross paths on a professional business experience. Ms. Rebecca Slatery is the most courteous, compassionate soul. We wish you all peace, love and blessings. Thank you for your service.
J JR
J JR
20:11 31 Oct 18
I decided to use this firm again for an accident I was involved in. As always they were professional and caring. Rebecca slattery was the paralegal assigned to my case and she was professional and kept me up to date with everything. I would recommend this firm to friends and family!
Cedric Jones
Cedric Jones
19:04 23 Oct 18
Erica Z is amazing with keeping you to date and staying communication with you during the entire process. Meghan Young was a wonderful lawyer made me feel extremely comfortable in the courtroom and she also fights for the best possible outcome for you..GREAT LAW FIRM
Nguyen Le
Nguyen Le
16:44 23 Oct 18
It was a great experience being taken care of by Rebecca Slattery and Meghan Young, they helped me resolve my case and were very courteous and professional. Highly recommend working with this law firm
Soun Gil
Soun Gil
21:35 17 Oct 18
Ms. Park helped me out through my whole accident process. She took her time with me and made sure I understood everything. I would recommend to her all of my friends if they were to get into any accident.
Yejin Chung
Yejin Chung
15:40 12 Oct 18
I highly recommend. My family’s experience with this office was great. Christina Franetovich was very helpful throughout the whole process, which made this experience less stressful. She responded to my questions immediately and made sure that I understood everything.
Claudette Pope
Claudette Pope
13:18 30 Aug 18
I was referred to Gordon & feindblatt in 2014 when my family was in an accident, Mr. Katz personally consulted with me by phone and he was very polite and professional, Mr. Carpuso, one of the litigation attorneys even came out to our home and went over our case with us, he made sure all of our needs was addressed and before he left our home that day I felt like we were old friends. that case was settled and I was very pleased, I have used this law firm twice since then and the results are always the same, I have nothing but great experiences with Gordon & Feindblatt the staff are courteous and professional and they get the job done but the one in particular that really stood out for me is Rebecca Slattery, she is truly a gem, she is so compassionate, she walked me through the entire process, she even checked up on me from time to time just to see how I was feeling and I really appreciated her kindness. I will use this law firm again and again for any future legal issue that may arise and I would highly recommend Gordon & Fiendblatt to friends, family and co-workers.
UniversalSniping
UniversalSniping
02:32 04 Aug 18
The lawyer who was initially handling my case parted ways with the company and I was assigned a new lawyer. This new lawyer was amazing! Christina Franetovich made me feel secure by double checking all the facts and notes in my case so that I was not worried during this transition. I was on disability from an a different accident while she was finalizing my case, and I had called and hounded her about the time frame of my settlement very frequently to the point that I felt guilty for calling so much. Christina was very sympathetic to my situation and assured me that she would do everything in her power to make sure the situation would be resolved quickly. She actually finalized my case before the time frame she had given me, was always very courteous and knowledgable on the phone, and I feel extremely lucky that she ended up handling my case because the previous lawyer was not as amazing with customer service as Christina. She also has a way of making you feel comfortable and builds incredible rapport quickly. I am going to highly recommend her to my friends and family. Thank you Christina!!!
Richard Hose
Richard Hose
02:26 27 Jun 18
On Feb 23, 2017 I was in a bad accident on the JFX. I had been rear end by another driver. Almost immediately I felt pressured by the other drivers insurance. Everything from wanting a recorded statement; to failing to acknowledge responsibility. No one would answer my questions, nor would anyone take responsibility. I was frustrated and overwhelmed with everyone from the towing company, to the repair shop, to the insurance company nightmare I just entered. I reached out to Attorney Robert Katz and I was assured they were here to help. He provided with some much needed information, and told me not to worry, Sarah his Paralegal would be in touch to help get things moving. Sarah reached out as expected and explained their process and walked me through what my expectations would be. She as well assured me they were here to help me navigate the obstacles. What Sarah really did was so much more than help. She took the stress and burden off my shoulders and assumed ownership for handling everything on my behalf. I knew what to expect, and I received regular updates throughout the entire process. Honestly, I received so much more than I anticipated. Some of the most frustrating items to chase after are medical records and hospital charges. While I was trying to recall events and timelines, she had already obtained my records and information. She made this process so painless. I truly cannot say enough about the exceptional service she provided. Many thanks for all your help. Sincerely, Richard Hose
Andrea Barajas
Andrea Barajas
15:13 16 May 18
My husband and I were in a car accident in August 2017. We contacted Bob Katz team for legal representation in our case. Kristen A. Turner was our paralegal and she was excellent. It took 9 months for us to receive our settlement and Kristen kept us updated throughout this entire process. She was very kind and patient as I happened to have several questions. She always answered my questions promptly and thoroughly. I would highly recommend this firm and Kristen if you are in need of legal assistance.
TheOfficalCeeandDee
TheOfficalCeeandDee
15:24 09 Feb 18
My experience here was great. My lawyer Rebecca was so professional and I love her personality. She handled my case well and kept me updated and made the process easy and always made me feel comfortable to call whenever I needed to know anything.
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