Maryland Car & Motorcycle Insurance
Required Minimum Bodily Injury Coverage
- $20,000 per person injured in any one accident and $40,000 for all persons injured in any one accident
Required Minimum Property Damage Coverage
- $15,000 for injury to or destruction of property of others in any one accident
Optional Insurance Coverage
- Personal Injury Protection (PIP). Maryland law requires insurance companies to offer PIP coverage of not less than $2,500 per person for medical, hospital, and disability benefits, as well as loss of income benefits of up to 85 percent for three years. Rejection of PIP benefits must in writing.
- Uninsured Motorist (UM) Coverage. In Maryland, UM coverage includes underinsured motorist (UIM) coverage. If purchased, UM coverage must be equal to the amount of bodily injury coverage purchased, unless waived. In that event, the insured must purchase UM in an amount at least equal to the minimum bodily injury coverage required.
Special Rules for Motorcycle Owners
- Insurance companies are not required to offer lost income benefits under a personal injury protection plan to motorcycle owners. If offered, however, the insurance company can require a deductible, options, or specific exclusions.
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Please note: State law information collected from LexisNexis™ electronic database in 2005. All of our lawyers are licensed to practice in the state of Pennsylvania. We also have lawyers licensed to practice in Ohio, and West Virginia and we associate with experienced attorneys in other states.
The materials at this web site have been prepared by our Law Firm for information purposes only and should not be construed as legal advice or legal opinion on any specific facts or circumstances. These materials do not, and are not, intended to constitute legal advice. Readers should not act upon this information without seeking professional counsel. The information provided at this site is subject to change without notice. Although we try to keep our site current and accurate, you should not rely on this information or its applicability to any specific circumstances without speaking with an attorney.
