The costs of owning and maintaining a car can add up when considering gas prices, tune-ups, repairs, and insurance. Some individuals might think that they can save money by skipping the purchase of insurance for their vehicle. But this could put them at risk of garnering severe fines and penalties.
In Maryland, it is illegal to drive a car without insurance. The Law Office of Richard Klein, a law firm in Baltimore, MD, describes the importance of obtaining car insurance as a driver in the state of Maryland.
Legal Insurance Requirements for Maryland Drivers
Vehicle insurance is mandatory for drivers in Maryland. If the driver at fault in a car accident does not have adequate insurance, they could be liable to cover any damages out of their own pocket. They may also have to pay fees and fines for not complying with the state law.
Registration for the car will be suspended if the driver is caught operating the vehicle without insurance. Further non-compliance or disregard of notifications from the MVA will result in additional penalties. This could involve more fines or the impoundment of the vehicle.
To get insurance for your car to adhere to the law and protect yourself, you should request quotes from insurance companies licensed in the state of Maryland. If you have trouble obtaining insurance, you might be eligible for coverage under MAIF.
What to Do If in an Auto Accident Without Car Insurance
If you are involved in a car accident and you are an uninsured driver, you must remain at the scene, exchange contact details with other individuals involved, and call the police. Obtain as many details, including photographs of any damage, as you can and get a copy of the police report.
If it is determined that you are not at fault for the accident, and you have suffered a personal injury, you might be able to file a claim and obtain a settlement, even if you do not have insurance. You can reach out to a personal injury attorney before contacting the at-fault driver’s insurance company to discuss your car accident claim.
A legal expert will help you understand your eligibility for financial compensation from this third-party insurance company. If you do decide to speak to an insurance representative, consider the legal advice your attorney provides during your consultation.
Talk to a Personal Injury Law Firm in Baltimore, MD
The Law Office of Richard Klein offers legal assistance for individuals in Baltimore, MD who intend to file an insurance claim after a car accident. To learn more about how we can help you, see Car Accidents. A legal expert can advise you on your potential entitlement to a settlement in the aftermath of an auto accident. To get a consultation about your case at no cost to you, contact our staff by phone at 410.291.8012 or reach our office online.