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Bodily Injury
Bodily injury coverage is mandatory in Maryland. If the Maryland policyholder or
another driver covered by the Maryland auto insurance policy is found to be at
fault in an accident resulting in injuries or fatalities, the following is covered
under bodily injury coverage:
- Medical expenses
- Lost wages
- Pain and suffering
- Legal defense if the drivers listed on the policy are involved in a lawsuit resulting from a car accident
Bodily injury coverage pays for damages caused to a third party.
How much protection does this coverage provide?
The dual coverage limits you select in your Maryland auto insurance quote refer
to the maximum amounts that will be paid per person, per incident, respectively.
Property Damage
If you or another covered driver is found to be at fault in an accident, the
following is covered under property damage coverage:
- Damage to another person's property (e.g., fence, car, or home)
- Legal costs associated with a damage incident
How much protection does this coverage provide?
The coverage limits you set in your Maryland auto insurance quote refers to the
maximum amounts that will be paid per accident.
Personal Injury Protection (PIP)
PIP is mandatory in Maryland. There are 2 PIP plans you can choose from: full coverage and limited coverage.
Full Coverage PIP
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- Medical expenses– These may include medical and surgical treatment; dental and optometric treatment; ambulance and nursing services; necessary medications, medical supplies, and prosthetic devices.
- Lost wages– If you or your passengers are unable to work due to accident-related injuries, PIP helps you recover your lost wages.
- Substitute services– Should you or your regular passengers need help performing household or other tasks due to accident-related injuries, PIP also helps pay for such substitute services.
- Funeral expenses– If a covered individual dies from accident-related injuries, PIP helps pay for related funeral expenses.
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The full coverage plan provides protection to the policyholder, policyholder’s spouse, and members of the policyholder’s household. It also applies to policyholders and household members, who are under the age of 16 or who are over 16 and have not waived their PIP, if they’re injured while riding in someone else’s car or as a pedestrian when struck by another vehicle.
How much protection does this coverage provide?
The coverage limits you see in your Maryland auto insurance quote refer to the
maximum amount that will be paid per person for any combination of covered expenses
occurring within 3 years of the related incident.
Limited Coverage PIP
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- Medical expenses– These may include medical and surgical treatment; dental and optometric treatment; ambulance and nursing services; necessary medications, medical supplies, and prosthetic devices.
- Lost wages– If you or your passengers are unable to work due to accident-related injuries, PIP helps you recover your lost wages.
- Substitute services– Should you or your regular passengers need help performing household or other tasks due to accident-related injuries, PIP also helps pay for such substitute services.
- Funeral expenses– If a covered individual dies from accident-related injuries, PIP helps pay for related funeral expenses.
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In the event of a loss, the limited PIP provides benefits to members of the policyholder’s household under the age of 16, as well as policyholders and household members, who are under the age of 16 or who are over 16 and have not waived their PIP, if they’re injured while riding in someone else’s car or as a pedestrian when struck by another vehicle.
How much protection does this coverage provide?
The coverage limits you see in your Maryland auto insurance quote refer to the
maximum amount that will be paid per person for any combination of covered expenses
occurring within 3 years of the related incident.
Who might benefit from buying the limited PIP coverage plan?
Policyholders who have adequate medical coverage for themselves and the members
of their household over the age of 16.
Uninsured Motorist Property Damage
Uninsured motorist property damage coverage is mandatory in the state of Maryland.
Your limits for this coverage can't exceed your property damage limits.
This auto insurance coverage provides protection to a policyholder whose
vehicle is damaged in an accident involving a driver who has no insurance coverage.
How much protection does this coverage provide?
If the other driver involved in an accident is uninsured, this coverage pays up to
the limit you purchase. The coverage limits you see in your Maryland auto insurance
quote refer to the maximum amount that will be paid per incident.
You'll have to pay a $250 deductible for this coverage if you file an auto insurance claim.
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