There are 3 types of coverage you'll need on your Maryland auto policy: liability, personal injury protection, and uninsured motorist coverage.
Liability insurance helps handle others' injury expenses and property damage if you're at fault in a car accident. Your liability coverages in Maryland need to have the following limits:
- $30,000 in bodily injury liability coverage per person
- $60,000 in bodily injury liability coverage per incident
- $15,000 in property damage per incident
These limits will often appear as 30/60/15, and you'll be able to select higher limits when you build and buy your policy.
Personal injury protection (PIP)
Maryland requires its drivers to have at least $2,500 worth of PIP, also known as no-fault insurance, to help cover accident-related medical expenses for you and your passengers. If you're in an accident, PIP can help you with the following expenses:
- Medical fees (nursing, prosthetics, surgery, etc.)
- Wage compensation (if you miss work because of an injury)
- Substitute services (if you need help with household tasks because of an injury)
- Funeral expenses
There are 2 different forms of PIP to choose between — full or limited. Limited PIP covers children (under 16) in your household and injured pedestrians, but it doesn't cover you, the policyholder, or family members 16 or older residing at home.
Uninsured motorist bodily injury liability coverage
Uninsured motorist coverage in Maryland can help pay for your medical bills after an accident with an at-fault uninsured driver. The minimum limits you can select are $30,000 per person, $60,000 per incident.
Uninsured motorist property damage liability coverage
Similar to the above, but this coverage can pay for damage to your car after an accident with an at-fault uninsured driver. The minimum limit is $15,000 per incident.