Maryland Auto Insurance Uninsured Division Logo

What happens when someone is injured in an accident caused by another person who has no insurance to cover those injuries? The Uninsured Division (UD), which is a division of the State of Maryland and administered by Maryland Auto Insurance, will step in to help.

Recently, the Uninsured Division received a report claiming that a hit-and-run driver struck and killed a pedestrian as he attempted to cross the road in a crosswalk. The pedestrian’s sister filed a claim because her brother did not have any household coverage that would assist with paying the medical bills for this accident.

The sister was not represented by an attorney, so the UD stepped in to explain and guide her through the process for filing a claim through the Uninsured Division, including information about the documentation needed for the claim. In this case, our UD adjuster took the time to console the sister when she was brought to tears and reassured her that she was taking the proper steps when guiding her through the required paperwork.

When the claim was finally resolved and the sister could and continue with her life, she expressed her gratitude for the Uninsured Division as she did not know where to turn.

The Uninsured Division, an independent agency of the state of Maryland, was created in 1972 to protect innocent Maryland residents who are injured in accidents and have no insurance to cover their injuries. In addition, the Uninsured Division is tasked with educating Marylanders about auto insurance requirements in an effort to reduce the number of uninsured drivers on the road.

A common misconception about the Uninsured Division is that it provides coverage for damage caused to your car by an uninsured driver. If you have auto insurance, your required Uninsured Motorist Coverage would cover this type of loss. UD claims a typically involve cyclists, pedestrians, or passengers of buses and taxis who don’t own vehicles or homes, so they will not have any auto insurance or homeowner’s insurance to aid them. Most of the funding for this division comes from fines assessed to uninsured Maryland drivers through the Maryland Department of Transportation Motor Vehicle Administration (MDOT MVA).

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