It can be difficult to find the right kind of auto insurance, and each state has its own minimum coverage requirements. Medical bills in excess of the coverage limit must be paid by the victim’s insurer, out of his or her own pocket, or through a lawsuit against the at-fault party. An Accident Attorney in Glen Burnie can explain the different coverage types and their limitations.
Property Damage Liability Coverage
This type of insurance covers expenses for personal property that’s damaged in an accident, such as a car, a home or business. If property damage has occurred, the at-fault driver’s insurer will pay the cost up to the coverage limit. In many places, the minimum amount of property damage liability coverage one can have is $10,000.
Bodily Injury Liability Coverage
BIL or bodily injury liability coverage pays expenses related to the injury or death of others involved in an at-fault crash. Minimum requirements vary by location, but in Maryland, the minimum coverage level is $30,000 per person and $60,000 per accident. A local insurance agent can provide more information on state minimum coverage requirements.
Under- and Uninsured Motorist Coverage
If a person is in an accident and the other driver has insufficient coverage, or none at all, uninsured motorist insurance provides additional reassurance and help for victims. For more information on supplemental, optional coverages like comprehensive, collision and medical expense insurance, call a local insurance agent. To learn how the state’s insurance laws work for accident victims, consult an auto Accident Attorney in Glen Burnie. A personal injury or auto accident lawyer can work with the other driver and his or her insurance company to make sure the victim gains full compensation for his or her injuries and losses.
The time after an auto accident can be a scary one indeed. If someone is involved in an accident in the Glen Burnie area, the team at the Jaklitsch Law Group can investigate the claim and ensure that the other driver and his or her insurer pay for accident-related expenses. Visit the website or call the office right away to set up an appointment with a local auto accident attorney.
