A hit-and-run accident can shake you to your core. You may feel physically broken, angry and deeply worried about the medical bills piling up. When the at-fault driver speeds away, it can feel like hope goes with them. But even in that difficult moment, know that you are not alone. Maryland law provides clear paths toward your financial and physical restoration.
Maryland law protects you after a hit-and-run
Maryland classifies a hit-and-run driver as an uninsured motorist. This classification is not just legal language. In fact, it is the foundation that allows your own insurance policy to step in and cover your losses, even when no one identifies the at-fault driver. Thus, understanding this important distinction is your first step toward knowing what financial help is actually available to you.
How personal injury protection covers you
Your auto insurance policy likely includes personal injury protection or PIP for short. PIP is a no-fault coverage, which means it pays regardless of who caused the accident. It covers reasonable and necessary medical expenses up to your policy limit.
Additionally, you do not have to wait for anyone to identify the hit-and-run driver. Your PIP activates right away, helping you handle co-pays, deductibles and immediate treatment costs so you can focus on your recovery.
How your uninsured motorist coverage can fill the gaps
Once your PIP coverage is in place, your uninsured motorist (UM) coverage can provide additional financial support. UM coverage specifically protects you when an unidentified driver causes your accident. This includes hit-and-run cases involving phantom vehicles.
If no one ever finds the driver, your UM coverage can help pay for medical bills, lost wages and pain and suffering. Together, PIP and UM coverage create a powerful safety net that works in your favor.
Do not leave your miracle to chance
Surviving a hit-and-run accident is nothing short of a miracle. Now, focus on protecting that miracle. In fact, the insurance protections Maryland law provides exist for moments exactly like yours. Hence, exploring those avenues with the right guidance can give your family the financial stability and peace of mind you need to focus on your recovery.