Every driver in the state must have car insurance, and their policies must meet minimum requirements for coverage. These minimum requirements include:
- $30,000 bodily injury coverage per person
- $60,000 bodily injury coverage per accident
- $15,000 property damage coverage.
All drivers are also required to carry uninsured/underinsured motorist coverage with liability limits of at least $30,000 bodily injury per person and $60,000 per accident. This can help protect you if you are injured in an accident caused by a driver who does not have insurance, or who does not have enough to cover all of the damages you suffered.
A serious car accident can result in damages that are much higher than these minimum coverage requirements. That’s why all drivers should consider buying policies that have higher liability limits.
There are also optional types of coverage available that can provide additional protection. These include:
- Personal injury protection (PIP) – This type of coverage is not required in Maryland, but insurance companies are required to offer at least $2500 in PIP coverage. It can help you pay medical expenses for treating injuries you suffered in an accident.
- Collision – If your car is damaged in a vehicle collision, this type of coverage will help you pay for repairs, or pay you the current value of the car if it can’t be repaired.
- Comprehensive – If your car is damaged during an event other than a collision, this coverage will help pay for repairs. Examples include fire, theft, vandalism, and acts of nature.