The Uninsured Division (UD) is a division of the State of Maryland administered by Maryland Auto Insurance. The UD handles claims in which a Maryland resident has been injured as a result of an accident caused by another person who has no insurance to cover those injuries.

This claim involves a retired woman who was crossing the street at an intersection after getting her morning coffee. A vehicle sped through the intersection, striking her extremely hard, causing her coffee to fly out of her hands, and even knocking her out of her shoes. The vehicle didn’t stop or slow down to help the injured woman. Several witnesses were able to move the woman to the side of the street, waiting with her until medical professionals arrived.

The victim was diagnosed with a right ankle fracture and abrasions to the left side of her face. She could not recollect the events of the incident due to the trauma she endured. She underwent surgery on her right ankle a week after the accident and remained in the hospital for multiple days.

Because the victim had no other insurance coverage to help with her medical bills resulting from the crash, this claim was brought to the UD. After concluding the investigation, the UD resolved the claim and made the payment. Unfortunately, the driver responsible for the hit-and-run was never found.

This is another example of how the Uninsured Division assists Maryland residents who have no access to insurance. Without the UD, this claimant would have been responsible for the medical costs due to the injuries.

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