In the state of Maryland
, one of the coverage typically included in your liability
is uninsured motorist coverage
, which would apply in this situation. Uninsured Motorist coverage is legally required in Maryland and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured driver who is at fault. For Maryland, the minimum amount of coverage is $15,000. Other than this, your only other option is taking the driver to a small claims court.