Driving without insurance is against the law, but what happens if you are injured in an accident while doing so? There are a number of factors that influence whether or not you’re eligible for compensation, and you need a skilled law firm like Mobley and Brown, LLP on your side.
Is Maryland a No-Fault State?
Currently, 12 different states are “no-fault” states for car insurance. That means that, if someone is injured in a car accident, they are responsible for seeking compensation through their own car insurance coverage. Maryland is not on the list of no-fault states, which means that you are able to file a lawsuit or have one filed against you. If you cause an accident and the other person is injured, they can file against you. If you are driving without insurance, you will be personally liable for all expenses, not an insurance company.
If You Are Injured and the Other Party Is at Fault
If you were driving without insurance but injured in an accident where the other driver is at fault, you might still face restrictions on how much you can recover. First, you should expect to face criminal or administrative penalties from the state of Maryland for breaking the law and driving without insurance. These penalties will be levied regardless of fault or responsibility. However, these penalties will not be factored in when the court considers the injuries that you suffered and your civil claim. The fact that you were driving without insurance will also not be admitted as evidence when the case is heard. As a result, you should never hesitate in seeking the compensation that you deserve after a car accident, regardless of whether or not you had insurance at the time.
If You Are Injured and You Are at Fault
If you caused the car accident and were injured in the crash, you are responsible for covering your personal medical expenses. You should also be prepared to face potential litigation from the other party or their insurance company, and should consult with an attorney.
Driving Without Insurance and in a Crash? Call Mobley and Brown, LLP
If you want guidance in the aftermath of an accident when you were driving without insurance, contact Mobley and Brown, LLP today. Our experienced legal team will work with you to meet your needs. Call us now at (410) 385-0398 or toll-free at (833) 355-9897.