Pinder Plotkin Legal Team, Baltimore Car Accident Lawyers, Publishes Free Guide on Maryland's Enhanced Underinsured Motorist Coverage

Enhanced Underinsured Motorist coverage now applies by default to Maryland policies issued after July 1, 2024, unless a driver waives it — a change many drivers have never been told about. The Pinder Plotkin Legal Team's free guide walks Baltimore, Laurel, and Bel Air drivers through that and the other coverage decisions that determine what they can recover after a crash.

Baltimore, MD, Sept. 10, 2026 (GLOBE NEWSWIRE) -- Pinder Plotkin Legal Team, a Baltimore car accident law firm with additional offices in Laurel and Bel Air, has published a free guide for Maryland drivers, The Smart Consumer's Guide to Maximizing Auto Insurance Policy Limits (Before an Accident). The guide addresses the coverage decisions that determine what a driver can actually recover after a crash — decisions that can only be made beforehand.

Cover image from Pinder Plotkin Legal Team's updated auto insurance guide for Maryland drivers.

Among them is a change many Maryland drivers have never been told about. Enhanced Underinsured Motorist coverage now applies by default to policies issued after July 1, 2024, unless the driver signs a waiver. Drivers who signed that waiver, or who assume an older policy carries the coverage, may have significantly less protection than they believe.

The guide also covers Maryland's contributory negligence rule, one of a small number of jurisdictions where a driver found even slightly at fault can be barred from recovering anything; the difference between PIP and MedPay; UM and UIM stacking; why Maryland's minimum liability limits fall short in a serious crash; and the coverage gap affecting rideshare and business-use driving. It is available on the firm's Maryland auto insurance guide page.

A companion resource, The Maryland Rideshare Accident Manual, covers insurance coverage and passenger rights following an Uber or Lyft accident.

"Most people don't think about their insurance until they're calling about a claim," said Jason Plotkin, Esq., CEO and Managing Attorney of the Pinder Plotkin Legal Team. "I've been in that position myself, twice. By then the policy is what it is. This guide exists so Baltimore drivers know what actually protects them before an accident, not after."

Plotkin wrote Crash Course: To Recovery and Beyond (2024), a guide for accident victims drawn from his own recovery after two serious crashes, and teaches continuing legal education nationally through the National Business Institute. He has also presented webinars with the Maryland Chiropractic Association and APTA Maryland for the clinicians who treat auto accident injuries, and has appeared on Midday Maryland to discuss what drivers face after a crash.

Plotkin is a life member of the Million Dollar Advocates Forum, which he joined in 2018, and has been selected to Maryland Super Lawyers every year from 2020 through 2027. The Pinder Plotkin Legal Team represents injured drivers across the region through its Baltimore car accident practice, and handles auto accident, dog bite, and workers' compensation matters from offices in Baltimore, Laurel, and Bel Air.

Plotkin is available to speak with reporters on Maryland auto insurance coverage, the state's contributory negligence rule, what drivers should check on a policy before a crash, and the treatment and recovery side of auto accident injuries.

Cover of Crash Course: To Recovery and Beyond, Baltimore car accident lawyer Jason Plotkin's guide for accident victims, written after his own recovery from two serious crashes.

About Pinder Plotkin Legal Team

ABOUT THE PINDER PLOTKIN LEGAL TEAM Founded in 2002, Pinder Plotkin Legal Team (www.pinderplotkin.com) is an award-winning Maryland personal injury, auto accident, truck accident, dog bite, and workers' compensation law firm known as Hardworking Attorneys for Hardworking People®. Voted the Winner for Best Law Firm – Personal Injury in The Daily Record’s 2026 Reader Rankings, the firm is led by CEO Jason Plotkin, Esq. — a life member of the Million Dollar Advocates Forum and winner of Clio's inaugural Legal Impact Award (2021). The firm has secured millions in verdicts and settlements for injured Maryland residents and operates on a No Fee Guarantee. For more information, visit pinderplotkin.com or call (888) 844-5373.

Press Inquiries

Kelly Beltran
kelly [at] pinderplotkin.com
(410) 661-9440
https://www.pinderplotkin.com
4300 Ridge Road
Baltimore, MD 21236

A video accompanying this announcement is available here: https://youtube.com/watch?v=019u21gWcOM