Maryland Laws

Car insurance in the state of Maryland is mandatory in all states and is required at the time of registering your vehicle at the Department of Motor Vehicles. The minimum liability coverage in Maryland is $20,000 for injury or death of one person and $40,000 for injury or death of more than one person. The minimum property damage coverage is $15,000.
In addition, you must also have:
- Uninsured motorist coverage, for the same amounts found above. This is basically a duplicate to your own liability insurance, except that it will cover you in case an uninsured person hits you.
- Personal Injury Protection (PIP) of $2,500, for medical expenses related to an accident for your passengers.
The statute of limitations is the period for which you are eligible to file the insurance claim and lawsuit. If it expires, you lose the benefits that you deserve to obtain from the party responsible for causing the car accident. You can file a personal injury claim within 3 years of the car accident, and a property damage claim within 3 years.
Maryland is a pure contributory negligence state, which means that a damaged party cannot recover any damages if he is even only one percent at fault.

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