I hate to be a shrill for the insurance companies. Maryland accident lawyers and insurance companies rarely hold hands on an issue related to car accidents and insurance. But there is one thing we both agree on when it comes to uninsured motorist limits: they should be high. How much? That depends on how comfortable you are, but I just don’t think it makes sense to have less than $1 million in uninsured motorist coverage.
No one has given a good answer as to how many people are uninsured in Maryland and I think Maryland is doing a better job of keeping uninsured motorists off the road (the FR-19 system). But our accident lawyers know one thing for sure: people who are uninsured disproportionately cause more accidents than people who have valid car insurance. Why is this? I speculate that people who will take risks by having no car insurance also will take risks on the roads.
This argument takes particular force in cases if you have a preexisting condition such that you are more susceptible to an injury from the trauma of a car accident.