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Maryland requires all driver maintain financial responsibility by maintaining a current car insurance policy. The state has minimum coverage and limit car insurance requirements. It also has rather severe fines and punishment for those that do not have car insurance.
Maryland insurance law is dictated by a tort system. This type of system ensures that after an accident, someone is held at fault and is then responsible for paying for related damages that resulted from the accident. Specifics of a tort system can vary depending on state laws.
All personal vehicles in Maryland require the following liability coverage requirements:
Additionally, Maryland requires:
|Minimum Maryland Car Insurance Requirements|
|Bodily Injury Liability||$20,000 / $40,000 Limit|
|Property Damage Liability||$15,000 Limit|
|Uninsured/Underinsured Bodily Injury||$20,000 / $40,000 Limit|
|Uninsured/Underinsured Property Damage||$15,000 Limit|
|Personal Injury Protection||$2,500 Limit|
Additional insurance coverage can include:
Comprehensive and collision, while optional, are highly recommended. Comprehensive can help pay for damages if your car is stolen or if your car has damage from a fire. A list of the most stolen vehicles in Maryland can serve as a guide to see how at-risk your vehicle is. Collision is pays for repairs to or replacement of your vehicle after an accident.
Establishing proof of insurance and financial responsibility
In order to provide proof of insurance, you can provide one of the following:
You must maintain proof of insurance and financial responsibility and present it:
If you are unable to show proof of insurance, you can face the following penalties:
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