Disclaimer: This content is for educational purposes and does not constitute legal advice. Consult a licensed attorney for guidance.
Detailed Answer
After an accident, a client often needs the at-fault driver’s insurance details to pursue a claim. In Maryland, follow these steps:
- Obtain the Crash Report. Request a copy from the Maryland State Police within 60 days of the crash. The report typically lists the insurer and policy number. Visit MDSP Crash Report for instructions.
- Request Proof of Insurance from the Driver. Under Md. Ins. Code § 19-503, the client can send a written request to the at-fault driver demanding the insurer’s name and policy number. If the driver fails to respond, the client may seek sanctions in court. (See Md. Ins. Code § 19-503.)
- Check the Maryland MVA Records. The Maryland Motor Vehicle Administration maintains insurance records tied to vehicle registration. Submit an inquiry to the MVA to identify the insurer on file at the accident date.
- Contact Your Insurer for Subrogation. If the client has collision or uninsured motorist coverage, their insurer can handle subrogation and investigate which company covered the at-fault driver.
- Review Litigation Filings. When the client files a lawsuit, the court rules require the defendant to disclose insurance coverage under Maryland Rule 2-402(b)(1). Use discovery to obtain policy details.
Helpful Hints
- Order the official crash report as soon as possible—reports become harder to obtain after 60 days.
- Send any written requests by certified mail and keep receipts.
- Document all communications with insurers and the at-fault driver.
- Consult a personal injury attorney for assistance with subpoenas and discovery.
- Check deadlines under the Maryland Rules and statutes to preserve rights.