The Importance of Underinsured/Uninsured Motorist (UIM) Coverage for Maryland Motorcyclists

Maryland law requires all motorists to obtain a certain amount of insurance coverage. There are several types of Maryland motorcycle insurance, including bodily injury liability, underinsured/uninsured motorist (UIM) protection and property damage liability.

Bodily injury liability provides coverage for injuries caused to others that are the fault of the insured motorist. On the other hand, UIM coverage provides coverage for the insured motorist in the event that the at-fault driver either had no insurance or did not have enough insurance to fully cover their injuries. Property damage liability covers damage to others’ property that is caused by the insured. As of 2020, the minimum insurance requirements in Maryland are $30,000 per person/$60,000 per accident in bodily injury liability and UIM protection and $15,000 in property damage liability.

Unlike cars and trucks, motorcycles offer little to no protection to riders in the event of an accident. Thus, Maryland motorcycle accidents often result in serious bodily injury. In many cases, the medical expenses alone will exceed the limits of an insurance policy, especially if the policyholder opted for the minimum amount of insurance. In these situations, UIM coverage is especially important. Uninsured motorist coverage can also help a Maryland motorcyclist recover compensation in the event of a hit-and-run accident where the at-fault party cannot be identified. In fact, Maryland law considers an unidentified driver an “uninsured driver” for the purposes of UIM coverage.

Police Search for Hit-and-Run Motorist after Fatal Motorcycle Accident

Earlier this month, a 22-year-old man was killed after he was struck by another vehicle while riding a motorcycle. According to a local news report, the accident occurred around seven in the evening as the man was riding in the center eastbound lane. Evidently, another car traveling in the same lane struck the motorcyclist after the motorcycle inexplicably stalled. After the accident, both the driver and passenger in the car exited the vehicle and fled the scene on foot. When emergency responders arrived on the scene, they found the motorcyclist in critical condition. He was pronounced dead at the scene a short time later.

Investigators are not sure what caused the accident, and do not know why the motorcycle stalled immediately before it was hit by the other vehicle. As of the time of the article’s publication, neither of the two men who fled had been located.

Have You Been Injured in a Maryland Motorcycle Accident?

If you or someone you love has recently been injured in a Maryland motorcycle accident, contact the dedicated injury lawyers at the Maryland personal injury law firm of Lebowitz & Mzhen. At our law firm, we have represented injury victims for over 20 years in all types of claims against those who are responsible for their injuries. Through our thoughtful and comprehensive approach, we routinely recover sizeable damages awards on behalf of our clients. To learn more about how we can help you and your family pursue a claim for compensation, call 800-654-1949 to schedule a free consultation. Calling is free, and because we work on a contingency basis, you will not receive a bill from us unless we can help you recover for your injuries.

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