Maryland law requires a minimum of $20,000 per person for bodily injury, $40,000 per accident for bodily injury liability, and $15,000 per accident for property damage liability for auto insurance. Personal injury protection ($2,500 limit) and uninsured/underinsured motorist coverage ($20,000/$40,000) are also required. Check with your auto insurance company by speaking to a representative so you understand the details of every coverage offered. All coverages are limited to any terms and liabilities of your specific auto insurance company.

Having bodily injury liability will cover costs of the injuries or death of the other driver when you’re at fault in the accident, but it does not cover the injuries or death of you, your passengers, or anyone else on your policy. It will also cover any pain and suffering and lost wages the other driver sustains. In the event you need a lawyer to defend you in court for your accident, this coverage provides you representation from your auto insurance company.

Property damage liability covers damage you inflict to property that is not your own, be it someone’s car, fence, pole, guardrail, et cetera. Note that you should carry enough to cover any damages you could possibly cause. Any cost that exceeds your coverage amount will leave you paying the difference between the two numbers for the repairs out of your pocket. If you want coverage of your own vehicle in this instance, you will need to purchase collision coverage.

If you’re in an accident and the other driver, who is at fault, does not have auto insurance, uninsured/underinsured motorist coverage will cover you, passengers in your car, and any of your dependents for your medical expenses, pain and suffering, loss of wages, and funeral expenses up to the limit you purchased for your policy. If you do not have health insurance, this particular coverage is especially beneficial for you.

Personal injury protection (PIP) covers the medical expenses of you and your passengers when in an accident, regardless of was at fault. In Maryland, PIP also pays for your lost wages. You may consider using this coverage in conjunction with the coverage of your current health insurance policy, but your health insurance will only cover the injuries of family members on your policy, not non-family passengers in your vehicle. PIP also covers the medical expenses of any pedestrians struck by your vehicle. If you constantly carpool, you will want to consider increasing the limit of your personal injury protection above the minimum to provide monetary help to your passengers if they’re ever involved in your accident.

An uninsured driver in the state of Maryland will face many penalties, which will become more and more costly as days go by. For the first 30 day laps of insurance, you will pay $150 and then another $7 per day afterwards until you become current with your auto insurance. You could also be required to pay a $25 maximum fee to restore your vehicle’s registration. Providing false insurance will guarantee you a fine of up to $1,000 and/or one year imprisonment.

Maryland follows a tort auto insurance system. According to the law, in any accident, the at fault driver and their auto insurance is responsible to pay for all medical expenses, including pain and suffering and loss of wages, of the driver and passengers in the other vehicle.

Maryland Auto Insurance Requirement Chart:

• Bodily Injury Liability: $20,000/$40,000 Limit
• Property Damage Coverage: $15,000 Limit
• Uninsured/Underinsured Motorist Bodily Injury: $20,000/$40,000
• Uninsured Motorist Property Damage: $15,000
• Personal Injury Protection: $2,500

Compare & Save on Insurance by Visiting Our Comparison Form. Enter Your Zip Code, Select Insurance Type, then Click Go. One Form, Takes Only ~ 3 Min, Quotes from Top Providers!