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Maryland Uninsured And Underinsured Auto Accident Attorney

Last updated on January 13, 2026

Did you know that more than 15% of Maryland drivers are uninsured, and countless others lack adequate coverage for a serious accident? When you’re involved in a wreck with one of these drivers, the complications can be endless.

At The Hollimon Firm, I am Justin Hollimon, and I began my journey trying to empower the African American community through strong legal representation in Maryland and Washington, D.C. At my law firm, you matter – and your life matters. In civil litigation, I have worked with insurance companies to negotiate fair settlements on behalf of my clients, but I’m always looking ahead to pretrial motions and the potential for litigation.

Enhanced Underinsured Motorist (EUIM) Coverage

Enhanced underinsured motorist (EUIM) coverage is vital in Maryland auto insurance claims, especially when the motor vehicle accident involves a hit-and-run driver or a driver with insufficient insurance.

EUIM coverage allows an injured person to pursue compensation up to the full limits of their own policy, even after the at-fault driver’s coverage is exhausted. This can impact the amount available for medical bills, lost income and long-term care following a serious accident.

Steps To Take After A Maryland Hit-And-Run

In a hit-and-run situation, Maryland law treats the incident as an uninsured motorist claim. Certain steps must be taken promptly to preserve coverage and protect the claim. These steps include the following actions:

  • Report the accident to law enforcement as soon as possible, ideally from the scene. A police report helps establish that the crash occurred and that the other driver fled.
  • Seek medical attention immediately, even if injuries seem minor at first.
  • Notify your insurance company promptly and provide accurate information about the crash.
  • Gather any available evidence, such as photos, witness statements or nearby surveillance footage.

If you were involved in a hit-and-run accident, motorcycle accident, pedestrian and bicycle accident, drunk driving accident, rideshare accident, bus accident or slip-and-fall accident, contact me today for comprehensive legal representation.

You Are Not Just “Out Of Luck” After An Accident With An Uninsured Or Underinsured Driver

Whether it’s a drunk driver with a suspended license and no insurance, a hit-and-run accident, or a serious wreck with someone who only carries a minimal policy, you may have to turn to your own insurance company for fair compensation – and that’s never easy.

I understand what it takes to recoup your losses for a motor vehicle accident, even when the at-fault party’s insurance is inadequate. I can:

  • Act as a buffer between you and your insurance company so that you are not unfairly blamed for the accident and your claim is either reduced or denied
  • Investigate the circumstances of the accident and the at-fault party (if known) to see if there are additional sources of compensation available
  • Help look at your current and future losses related to the accident so that you can be fairly compensated for the harm you have suffered

It is important to remember that even when adequate insurance is involved on your side, your insurance company rarely has your best interests at heart. The sole job of an insurance adjuster is to save the company money.

Frequently Asked Questions About EUIM And Hit-And-Run Claims In Maryland

The following questions address concerns Maryland drivers have about uninsured and underinsured motorist claims.

Can I still file a claim if the other driver fled the scene?

Yes. In Maryland, a hit-and-run accident is generally handled as an uninsured motorist claim through the injured person’s own policy. However, insurers require proof of prompt accident reporting and that reasonable efforts were made to identify the fleeing driver.

What is the difference between standard UIM and enhanced UIM in Maryland?

Standard UIM coverage reduces the available benefits by the amount paid by the at-fault driver’s insurer. On the other hand, EUIM coverage allows the injured person to recover up to the full EUIM policy limits in addition to the at-fault driver’s coverage.

Will my insurance rates go up if I file a UM claim?

Maryland law generally prohibits insurers from increasing premiums solely because an insured party files an uninsured motorist claim when they were not at fault. Disputes can still arise, and legal support may be necessary if an insurer attempts to penalize a policyholder unfairly.

Call Or Reach Out Online Today To Meet With An Experienced Lawyer

You deserve fair compensation for your losses after a wreck with an uninsured or underinsured driver. I want you to receive it. Call The Hollimon Firm at 410-846-0741 or contact us online and schedule your free, no-obligation consultation today.