Car Insurance Tips – What to Do in Case of an Accident in Maryland
Reader’s Question:
I have been driving for 8 years now, and I reside in Baltimore, Maryland. I have never been involved in an accident, and that’s why I’m curious about what to do if in case I figure into an accident. What are the things I need?
Terry
Baltimore, MD
Now, that is what I call a responsible driver. Terry, thank you so much for asking me this question. They must be doing something right there in Baltimore, Maryland.
All drivers should be as prepared as you are, or even more so in the event of an accident. First thing to remember is never panic. But that will be hard to do if you don’t have an auto or car insurance. Well, judging from your question, I can bet my momma’s dollar that you have comprehensive auto insurance.
Okay, back to your question. As I’ve said, don’t panic. Check yourself for injuries as well as your passengers and, of course, the people in the other car. In case, you get hurt, try not to make matters worse and just stay where you are and stay relaxed if possible, especially if you think that your neck might be injured, as it might lead to paralysis and death. If able, call 911.
Assuming everyone is okay, be sure to get pertinent details like name, address, contact number, license number of the driver, insurance policy of the other driver or drivers involved in the accident. Having these details, don’t forget also to check if the license plate is current and that the numbers in the registration and the pink card matches. If there are witnesses, don’t be shy to ask them to stick around until the police get on the scene. Keep on rocking, Terry.
Car Insurance Was Cancelled Before the Accident in Maryland
Reader’s Question:
My 16 year old daughter caused an accident however our car insurance in Baltimore, Maryland was cancelled 2 days ago before the accident and I would like to know if we will still be covered?
Chelsea
Baltimore, MD
I am sorry to tell you this but neither you nor your daughter would be covered for the accident she caused your car insurance policy in Baltimore, Maryland was cancelled. Once the car insurance policy canceled, because of non-renewal, non-payment or other reasons,the coverages will not be extended to you.
If your daughter was cited for driving uninsured she will have to face the penalties the court places on her. The penalties vary and it depends upon state laws however the penalties may include things such as a registration and license suspension for the car, and fines.
Regarding the damages she may have caused to other people’s property, she as the driver and you as the vehicle owner will be held liable for personally paying for any repair cost. Your state’s insurance regulator may be able to inform you on your liability as a owner of uninsured car whose minor was in an at fault vehicle accident.
Car Insurance Claim Question in Maryland
Reader’s Question:
My car insurance cancels in 2 weeks but I had an accident yesterday. Will my car insurance still cover the insurance claim even though we are due to cancel with them in two weeks? I live in Frederick, Maryland.
Glen
Frederick, Maryland MD
As long as your car insurance policy was in place at the time of the incident, meaning there is no insurance lapse and that it was paid up and in effect, then the accident should be covered by your auto insurance coverages.
If you are due to cancel with your insurance company due to already getting another auto insurance policy with a different insurance provider then having insurance claims made for this incident would not normally be an issue. If you are being canceled because of other reasons then you still should be able to make car insurance claims but it could be more of a difficult situation.
Since your car insurance policy with your current insurance carrier is going to cancel in two weeks it may be helpful if the insurance claims are placed now when your insurance policy is still in effect.
Since you are in in Frederick, Maryland, if you have any difficulty with your auto insurance claims related to this incident you can contact the MD Insurance Administration, the insurance regulator for Maryland.
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