Uninsured Division Claims

Get Help After an Accident with an Uninsured Driver

The Uninsured Division (UD), managed by Maryland Auto Insurance for the State of Maryland, assists eligible residents who have no access to insurance coverage and who have been injured in accidents caused by uninsured drivers.

You may qualify if you:

  • Were injured in Maryland
  • Lack any other insurance coverage
  • Were not at fault for the accident

This program often helps pedestrians, passengers, and others not responsible for the accident.

Submit a “Notice of Claim” to the Uninsured Division

To file a claim, submit a Notice of Claim and upload all required documents through the online form.

Before you start, gather these documents. You may upload files as .PDF or .JPG.

Required Documents:

  • Proof of Maryland residence (Examples include a lease, mortgage, utility bill, voter registration card, etc.)
  • Police report
  • Medical records and bills (Medical bills, medical reports, lost wage documentation with disability slip)
  • Property damage estimate and photos (If applicable)
  • Proof of insurance denial (Such as a letter from an insurance company.)
  • Proof that you do not own a vehicle and do not live in a household with a relative who owns a vehicle – insured or not. (Such as MVA documents confirming that no vehicles are owned by the customer IDs associated with the address.)
Eligibility Requirements
Timeline & Required Information
Contact Information & Hours

Eligibility Requirements

You must meet all of the following:

  • You are a Maryland resident and the accident happened in Maryland
  • You submit your claim within: 180 days of the accident or 30 days from the date of disclaimer (A disclaimer is a letter issued by an insurance carrier)
  • You have no available insurance coverage
  • You were not at fault for the accident
  • You do not own a vehicle and you do not live with someone who owns a vehicle – whether insured or not.
  • You had a valid driver’s license if you were driving at the time of the accident

Timeline & Required Information

Submit your claim within:

  • 180 days of the accident, or
  • 30 days from the date of a disclaimer letter issued by an insurance carrier

You must include:

  • Completed Notice of Claim
  • Proof of residence
  • Police report
  • Medical records, bills, disability slip
  • Lost wage documentation (if applicable)
  • Property damage estimate and photos (if applicable)
  • Insurance denial letters from all sources
  • Proof you do not have access to vehicle insurance

Contact Information & Hours

Phone: 800.492.7120 ext. 5301
Email: uninsureddivisionclerical@marylandauto.net
Hours: Monday–Friday, 8 a.m. to 5 p.m.

Call 800.492.7120 TO GET STARTED TODAY!