Required Coverage Minimum - 20/40/15. The law mandates that every motorist registering and operating a motor vehicle in Maryland must purchase insurance policies with a minimum coverage limit of $20,000 for injury liability for one person in an accident, $40,000 for all injuries in a single accident, and $15,000 for property damage. Since these limits are relatively low, it is recommended to obtain higher limits to protect your assets if you get sued for liability.
Mandatory Insurance Coverage - The required liability insurance coverage is a Property Damage Liability policy, Bodily Injury Liability policy, Personal Injury Protection (PIP), and Uninsured Motorist liability. Although Maryland auto insurance law requires PIP, it is not considered a true “No-Fault” state. This means there are no restrictions on lawsuits that you can initiate for personal injury liability, and there are no restrictions on lawsuits that can be served to you for the same by the other party. However, PIP, in Maryland, $2,500 per person, does provide you with injury protection, up to your policy limits, regardless who is at fault. This protection ensures that you will receive immediate medical attention by covering you for such medical costs up to your policy limit. This coverage can also be used to help reimburse you for medical expenses and lost wages.
Drivers with good health insurance policies may wish to see if they can waive PIP coverage to earn a lower premium. However, you should know that most health plans will not cover loss of wages or the cost of any passenger injuries
Optional Coverage - Although not required, Underinsured Motorist, Collision, and Comprehensive policies are considered prudent to obtain such coverage should you be struck by a motorist with inadequate insurance.
Proof of Insurance - You are not required to maintain proof of insurance in your vehicle at all times. However, it is highly recommended that you do keep a copy of your insurance ready.
Penalty for Failure to Comply - $150 fine for a first offense.
Non-Seatbelt Use
In Maryland, seatbelt compliance is strict. Therefore, you can be pulled over for non-seat
belt usage. The penalty for seatbelt non-compliance, is a $25 fine per front seat in violation.
Lawsuits—Since Maryland is not a true “No-fault” state, there are no restrictions on lawsuits for Tort liability resulting from an accident
Maryland Insurance Administration
525 St. Paul Place
Baltimore, MD 21202-2272
Tel: 410 468-2000
Toll Free: 800 492-6116
TTY: 800 735-2258
Website: Maryland Insurance Administration (MIA)
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