Underinsured and Uninsured Motorist Coverage

Uninsured motorist coverage can apply when an at-fault driver has no applicable liability insurance. Underinsured motorist coverage can apply when the driver’s available limits are insufficient under the policy and governing law. Coverage terms, offsets, consent requirements, exclusions, and deadlines vary. Maryland also permits certain enhanced underinsured motorist coverage. A careful review of every potentially applicable policy is needed before releases or settlements are signed.