Articles Posted in Truck Accidents

The recession has created another problem for Maryland accident victims: more uninsured motorist accident lawsuits. A new study indicates that one in six drivers in the U.S. might be driving without insurance by 2010. Uninsured drivers had been declining because of sharper enforcement efforts. (In Maryland, the hammer is the FR-19 which Maryland sends out every time you leave your current insurance company.) In fact, the estimated percentage of uninsured motorists in the United States decreased to 13.8% in 2007 from 14.9% in 2003, but it’s expected to sharply increase because of the recession.

A recent study estimated the number of uninsured motorists by using a ratio of insurance claims made by people injured by uninsured drivers to claims by people injured by insured drivers. I’m not sure about the accuracy and I doubt there is an entirely linear relationship, but the theory is that an increase of 1 percent in the unemployment rate causes a nearly three-quarters of a percent increase in the uninsured motorist rate.

That sounds incredibly high, but I don’t know. In Maryland, we have never really gotten a handle on the number of Maryland uninsured drivers. A study from 1977 – sorry it is all I have – suggested the uninsured motorist rate in Maryland was 2.8%. I cannot imagine it was that low, either.

Most car accidents occur with injuries. Maryland accident lawyers typically do not get involved in such cases, leaving accident victims to deal with handling the property damage claim and getting a rental car themselves.

Convincing the insurance company to provide a rental car is a hassle in some Maryland accident case, even if you have a lawyer much less without. This article on getting a rental car from the insurance company after an accident provides a few thoughts for those of you who are traveling solo without a Maryland accident lawyer.

Remember that one good way to take this issue out of play even further is to purchase rental reimbursement coverage. It costs very little – only $12 a year under most auto insurance policies – but it is an investment worth making.

The Baltimore Sun has an interesting story on balancing compassion and victim’s rights in fatal car accidents in Maryland.

These are tough issues. What should be the criminal penalties for those who negligently (distinguished from drunk for our purposes here) kill others in fatal car accidents? Should criminal courts admit “I’m sorry” evidence from the driver accused of killing another in a motor vehicle?