Scope of Uninsuerd Property Damage Claims

One coverage required by Maryland law is uninsured property damage. This covers your claim if you are involved in an accident that is someone else’s fault and that person either does not have insurance or cannot be identified, as in a hit and run situation. Under those circumstances, your insurance company is required to repair your vehicle unless the cost of repairs is greater than 75% of the vehicle’s value, in which case you are entitled to recover the retail value of your vehicle. This coverage applies even if you do not have collision insurance.

Additionally, in the past several years it has been unequivocally determined by the Maryland court system that uninsured motorist property damage coverage also includes coverage for diminution of value, if your car is repaired, as well as reasonable rental coverage while your car is being repaired, or, if the car is totaled, until you are paid for the vehicle.