"To a man with hammer everything looks like a nail." Mark Twain. To a personal injury lawyer everything looks like insurance. That is because the absence of insurance has torpedoed many a case. There is an inevitable tendency for victims of serious auto and truck accidents to think that some sort of compensation will be coming their way but that is sadly, often untrue.
Just because you have a hundred thousand dollars in medical bills doesn't mean that the at-fault driver has enough coverage to take care of you. The only way to ensure you will get fair compensation by buying sufficient PIP and uninsured motorist coverage. People are injured all the time by the negligence of drivers with Maryland minimum limits policies of $30,000.00.
There is nothing you can do about choosing who runs into you but if you have $10,000.00 in PIP and $300,000.00 in uninsured motorist coverage you will buying yourself $280,000.00 more protection no matter who runs into you.
So listen to Allan Steinhorn and Dave Harak on Everyday Law and get the correct insurance to protect yourself and your family. https://www.maryland-law.com/library/podcast-everyday-law/