You need a car accident lawyer that will help you WIN your case.

We will work tirelessly to help you WIN and get you full compensation for all your injuries.

You need a car accident lawyer that will help you WIN your case.

We will work tirelessly to help you WIN and get you full compensation for all your injuries.

Maryland Uninsured & Underinsured Motorists Attorneys

With Law Offices in Bowie, Waldorf, Frederick, Lexington Park, Rockville, and Annapolis

Do You Need Legal Help?

    Maryland Uninsured & Underinsured Motorists Attorneys

    With Law Offices in Bowie, Waldorf, Frederick, Lexington Park, Rockville, and Annapolis

    Do You Need Legal Help?

      Client Testimonials

      The Opinions that Matter Most

      “After being rear-ended by a distracted driver, I was injured, my truck was totaled, and for the first time in my life - I needed a lawyer. My attorney, Chris Murphy, was diligent, personable, and fought for me every step of the way. And what matters most… WE WON! I strongly recommend contacting this firm.”

      - C Blue

      “Amazing firm. Went above and beyond in making me feel welcomed, informed, and at ease considering the serious reasons for me being there. It was my first time dealing with something like this and it was comforting knowing I had a whole team behind me working to get the best outcome possible which they did. Highly recommend this firm to anyone looking for a good reliable lawyer who will work with you and be considerate of your well being.”

      - Daniel Torres

      “I cannot say enough good things about this firm. Everyone has been so helpful, I was always included in everything and never left in the dark. The staff is always on top of it and respond back within minutes. I would absolutely recommend this firm to anyone in need! Made my life so much easier with great outcomes!”

      - Sheeba

      Client Testimonials

      The Opinions that Matter Most

      “After being rear-ended by a distracted driver, I was injured, my truck was totaled, and for the first time in my life - I needed a lawyer. My attorney, Chris Murphy, was diligent, personable, and fought for me every step of the way. And what matters most… WE WON! I strongly recommend contacting this firm.”

      - C Blue

      “Amazing firm. Went above and beyond in making me feel welcomed, informed, and at ease considering the serious reasons for me being there. It was my first time dealing with something like this and it was comforting knowing I had a whole team behind me working to get the best outcome possible which they did. Highly recommend this firm to anyone looking for a good reliable lawyer who will work with you and be considerate of your well being.”

      - Daniel Torres

      “The firm developed a program and mitigation strategies to help provide the best possible outcome of the case.”

      - Anonymous

      Client Testimonials

      The Opinions that Matter Most

      “After being rear-ended by a distracted driver, I was injured, my truck was totaled, and for the first time in my life - I needed a lawyer. My attorney, Chris Murphy, was diligent, personable, and fought for me every step of the way. And what matters most… WE WON! I strongly recommend contacting this firm.”

      - C Blue

      “Amazing firm. Went above and beyond in making me feel welcomed, informed, and at ease considering the serious reasons for me being there. It was my first time dealing with something like this and it was comforting knowing I had a whole team behind me working to get the best outcome possible which they did. Highly recommend this firm to anyone looking for a good reliable lawyer who will work with you and be considerate of your well being.”

      - Daniel Torres

      “I cannot say enough good things about this firm. Everyone has been so helpful, I was always included in everything and never left in the dark. The staff is always on top of it and respond back within minutes. I would absolutely recommend this firm to anyone in need! Made my life so much easier with great outcomes!”

      - Sheeba

      car crash has left you with one expense after another. You’ve got medical bills and car repair payments to cover. The total expense amounts in the thousands, maybe even more! There is no way you can pay it all off without putting a significant dent in your finances. Thankfully, you can depend on the other driver’s insurance company to cough up your compensation, right?

      But what if the other driver has little to no insurance coverage? Are you going to have to pay out of your own pocket for an accident that wasn’t your fault? Not necessarily. Even if the at-fault driver has inadequate insurance, you may still get ample coverage for your damages.

      Want to learn more? Contact the experienced Maryland uninsured/underinsured motorist attorneys at Alpert Schreyer, LLC for more information on how you can get the compensation you need after an accident, whatever the case may be. Not only can we answer your questions and provide you with a comprehensive understanding of your legal options, but we can also give you the quality representation you need to achieve the means for recovery.

      Michael J. Schreyer

      Founding Partner

      Andrew D. Alpert

      Founding Partner

      Christopher Murphy

      Attorney

      Michael Berman

      Attorney

      Michael McCubbin

      Attorney

      The Definitions of Uninsured & Underinsured

      • Underinsured – A driver who has insurance that meets legal requirements, but does not have limits great enough to cover the damages caused by the accident.
      • Uninsured – A driver with no insurance or insurance that does not meet the legal standards. A hit-and-run crash is also considered an “uninsured” accident whether or not bodily injury is involved.

      Your Coverage

      In Maryland, it is a legal requirement that you carry at least $30,000 per person and $60,000 per incident in uninsured/underinsured motorist coverage on your motor vehicle policy. It is also required in Maryland that the amount of underinsured/underinsured motorist coverage you carry must match the amount of liability coverage provided under your policy. If you are injured by an uninsured motorist there are steps you must take in order to utilize the uninsured/underinsured motorist’s coverage available through your policy.

      First and foremost it will be necessary to prove that the other driver is legally responsible for the crash and that the other driver is underinsured or uninsured. An auto collision attorney can help you prove liability and can deal with your insurance company for you. The amount of uninsured/underinsured motorist’s coverage available to you in the event you are injured by an at-fault uninsured/underinsured driver is limited by the amount you purchase. If you pay for a higher coverage amount, you will have up to the amount of coverage you purchased available to compensate you for the injuries and damages you suffered if you are injured by an at-fault driver with inadequate insurance.

      Maryland Auto Insurance Requirements

      Under Maryland law, all motor vehicle operators must carry a minimum amount of vehicle liability insurance coverage, personal injury protection (PIP) coverage (which may be waived under certain circumstances), and uninsured/underinsured motorist coverage to financially protect themselves and others after a traffic collision.

      Liability Insurance

      Vehicle liability insurance covers the policy holder in the event that they cause bodily injury or property damage as the result of negligent driving. Maryland requires a minimum liability coverage amount of 30/60/15, or $30,000 for bodily injury per person, $60,000 for bodily injury per accident and $15,000 for property damage per accident.

      PIP

      PIP (Personal Injury Protection) is no-fault insurance coverage provided under your auto policy that can provide compensation for initial losses suffered by you or any injured passengers in your vehicle. The losses covered by PIP usually include medical expenses, short term lost wages, and funeral expenses. PIP usually covers up to $2,500 per person, although higher amounts can be purchased from your insurance company.

      Uninsured/Underinsured Motorist Coverage

      Maryland, unlike some states, requires that every driver carry uninsured/underinsured motorist coverage to financially protect themselves in case they are injured in a traffic accident caused by a driver with no insurance or not enough insurance. The minimum uninsured motorist coverage limits are the same as those for liability insurance: 30/60/15.

      Maryland Uninsured Motorist Penalties

      According to the Insurance Research Council (IRC), approximately one in seven U.S. drivers is uninsured. In 2009, the IRC estimated that 15 percent of all motorists in Maryland did not have any type of auto insurance coverage. It is illegal to operate a motor vehicle in Maryland without the minimum required insurance coverage amounts.

      The penalties for doing so may include:

      • Losing license plates and vehicle registration privileges
      • Paying a maximum restoration fee of $25 for a vehicle’s registration
      • Paying uninsured penalty fees of $150 for the first 30 days of insurance lapse and $7 for each day after that
      • Being prohibited from registering any vehicle until the violations are resolved
      • Being prohibited from renewing a suspended registration until violations are resolved
      • Having license plates confiscated
      • Paying a maximum fine of $1,000 and/or serving one year in prison for providing false proof of insurance

      Better Safe Than Sorry

      You probably already have automobile insurance for two reasons: it’s legally required and it’s there for you in case of a crash. It’s always best to be protected just in case. The same goes for uninsured and underinsured motorist coverage. You can’t predict if you are going to be in a crash and you certainly can’t know if that collision will involve an uninsured or underinsured driver. The resulting costs of a car collision can add up fast. You may have car repairs, medical bills, rehabilitation fees, and time away from work. All of these things may be considered for compensation if you are covered. Why leave your financial future up to chance?

      If you are in an accident and the driver at fault does not have insurance and you do not have adequate underinsured/uninsured coverage, your only recourse may be to go after the driver personally by filing a civil suit. If the driver at fault doesn’t have any financial resources, you will get little to no compensation. Your underinsured/uninsured coverage acts as a safeguard against this potential danger.

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      Legal Representation for Your Claim

      Dealing with insurance companies and the legal system can be complicated and confusing. Having an auto injury lawyer by your side can help get you the compensation you rightfully deserve. At Alpert Schreyer, we know how to work with your insurance company to help cover your accident-related costs.

      We have six convenient locations in Maryland, so please contact or call us at 301-381-2655 for a free case evaluation today.

      Client Reviews

      stars

      Without hesitation, I strongly recommend this Law Firm on the manner in which they represented and worked with me to achieve a successful outcome with my Vehicular Injury Case. They were careful in outlining all the possible outcomes to me and did an exceptional job in listening to all my concerns.The Lawyer was extremely conscientious and the Court awarded the highest possible amount. I am truly grateful.

      Antonette Patrick

      Read More Reviews

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