Maryland Car Insurance Requirements (Part A)

Maryland car insurance requirements are applicable to protect motorists in the unfortunate case of car accidents. The incidence of serious accidents is high in Maryland, and even worse, many drivers have inadequate insurance. Some have no insurance at all. Make sure you meet the minimum liability insurance requirements to protect yourself financially in the event of a crisis. If you have been injured by a driver who is not adequately insured, meet with a Baltimore County injury attorney.

Minimum Maryland Car Insurance Requirements

The minimum amount of acceptable liability coverage is $20,000 per person and $40,000 per accident for bodily damage, and $15,000 per accident for property damage. In addition, rental cars are also obliged to carry the minimum liability insurance applied to personal automobiles.

In Maryland, most insurance provider policies include rental cars, but it is important to check your policy to make sure you are covered. Some credit cards also provide insurance for rental cars. If yours does not, you will be able to purchase insurance from the rental company, usually at an average cost of $7-$14 per day.

Uninsured/Underinsured Motorist Coverage

The Maryland Insurance Administration does not require insurance carriers to provide uninsured/underinsured motorist (UM/UIM) coverage, nor are motorists required to carry it; however, it is a very good idea to do so. If the other driver involved in your accident is not insured or is underinsured, or if you are injured in a hit-and-run accident, your UM/UIM insurance will cover your costs up to the limits of your policy, which is usually comparable to your standard liability coverage.

If you have been injured in an accident in Maryland that was another motorist's fault, contact a Baltimore County injury attorney. Inadequate or nonexistent insurance coverage should not prevent you from recouping the financial losses typical of a serious accident. A consultation is no-cost and no-obligation.

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