Liability insurance policies must be obtained from an approved insurance company licensed to do business in Maryland, or an authorized agent of a licensed company. Types of Insurance Required: - Liability insurance, pays damages that are caused by you and suffered by the other party for personal injury, death, or property damage. You must carry a minimum of $20,000 for bodily injury per person, $40,000 for bodily injury for two or more people, and $15,000 for property damage. Coverage above the minimum is available from your insurance company or agent.
- Uninsured motorist coverage pays damages, after any applicable deductible, that are caused by an uninsured motorist and suffered by you. You must carry a minimum of $20,000 for bodily injury per person, $40,000 for bodily injury or two or more people, and $15,000 for property damage.
- Personal Injury Protection (PIP) coverage provides benefits for medical, hospital and disability up to $2,500 for all reasonable expenses arising out of an accident. Note: Full PIP provides benefits for you, any member of your family, and any non-family occupant of your vehicle. You may also choose limited PIP, which excludes benefits for you and members of your family age 16 and over. This alternative costs less and should be considered if you already have medical and hospitalization insurance.
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