Does Uninsured Motorist Cover Pain and Suffering Damages?

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Based on the number to times our auto accident lawyers are asked this question, I think it is fair to say there is a huge misconception about this issue.  If there is no insurance or inadequate insurance on behalf of the at-fault driver, your insurance company - the uninsured/underinsured insurer - essentially steps in the the shoes of the defendant and is obligated to pay all damages that you could make against the real bad guy.  Settlement of these cases are never disputed on the basis that the UM carrier is no obligated to pay for pain and suffering.

So, yes, absolutely, pain and suffering damages in Maryland are compensable in an uninsured motorist claim.  

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