Maryland Auto Insurance Attorney

TThe state of Maryland requires automobile drivers to purchase bodily injury liability coverage and property damage liability coverage. At a minimum, the driver must have bodily injury liability coverage of at least $20,000 per person injured in any one accident and $40,000 total for all persons injured in any one accident. Additionally, the driver must have a minimum of $15,000 property damage liability coverage for the destruction of the property of others as a result of an automobile accident. This is often represented as 20/40/15 coverage. Maryland state law requires the purchase of personal injury protection coverage of at least $2,500 per person to cover reasonable and necessary medical expenses, as well as loss of income, sustained by the policyholder or the policyholder's passengers. Personal injury protection benefits may be waived for the policyholder, but is required for the policyholder's passengers.

Automobile drivers must purchase uninsured motorist/underinsured motorist bodily injury coverage. This type of insurance is meant to cover bodily injuries caused by an uninsured/underinsured driver. At a minimum, the driver must have uninsured/underinsured motorist coverage of at least $20,000 per person injured in any one accident and $40,000 total for all persons injured in any one accident caused by an uninsured/underinsured motorist. Property damage coverage must be purchased in the amount of at least $15,000 to cover any property damaged as the result of an accident caused by an uninsured/underinsured motorist.

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