Hit by an Uninsured Driver? Silver Spring Motorcycle Insurance

Cruising through downtown Silver Spring means dealing with the Georgia Avenue and Colesville Road crush. Then getting through whatever Beltway has going on that afternoon. Most drivers around you have insurance. But some don’t. And on a motorcycle, there’s nothing between you and that gap.

Where Riders in Silver Springs, MD Cross Paths with Uninsured Drivers

US 29 takes drivers from White Oak into a stretch of Colesville Road where lane changes happen more often than turn signals. South of the Beltway, the partial interchange at Sligo Creek Parkway often means drivers cut across to catch the ramp.

A driver in that mix can clip a bike then hand over an insurance card that expired two renewals ago. That is if anyone pulls over at all.

MD Requirement for Every Motorcycle Insurance Policy

Uninsured motorist coverage is not an option here. Maryland law attaches it to every vehicle liability policy written in the state. Motorcycle policies included. And it activates when the driver who hit you has nothing or not enough coverage. A hit-and-run driver also falls under this statute.

Fault has more weight here than in many states. Maryland still follows contributory negligence. So a rider, if even found slightly responsible for an accident, can be barred from getting back anything.

Enhanced Underinsured Motorist Coverage is Something You Choose and Must Be In Writing

Since July 2018, Maryland insurers are required to offer enhanced underinsured motorist coverage, EUIM, on a form approved by the Maryland Insurance Administration. Standard uninsured motorist coverage is offset by what the at-fault driver’s policy will pay. EUIM covers this gap.

Riders in Silver Spring, Maryland, can only get EUIM by signing for it. Renee Oliver Insurance Agency will gladly walk you through this process.

Double Check Your Motorcycle Insurance Before Getting On Your Bike

If you ride in Silver Spring, you’ll come out of an uninsured driver claim in good shape if you set up the right protection long before the accident. A waiver signed three renewals ago still decides what happens the day you need it.

Get in touch with Renee Oliver Insurance Agency to look over your motorcycle policy and see whether you need the enhanced election.