Car Insurance Maryland - free online and instant Quotes!

Maryland Car Insurance Coverages

Liability Insurance (Required by Law)

This is an insurance option that protects the driver that has caused the accident. There are two types of liability insurance that is required by Maryland State Law: Bodily Injury Liability Coverage & Property Liability Coverage.

Bodily Injury Liability Insurance

This protects the accused from victims that file a lawsuit based on personal injuries. Bodily Injury Coverage will:

Pay to settle claim out of court
Cover the cost of a defense lawyer
Cover the cost you are ordered to pay deemed by the courts

Property Damage Liability Insurance

This option protects teh accused from victims that file a lawsuit based on property damage. Propety Damage will cover:

Cover the cost of a lawyer
Pay to settle a claim out of courst
Cover the cost ordered by the courts

Maryland Law Requires:
    20,000 for bodily injury per person
    40,000 bodily injury per accident
    15,0000 property damage

Unisured/Underinsured Motorist Coverage (Required by Law)

This is an insurance option that covers you if you have been an accident with a motorist that does not have insurance or a hit and run.

Personal Injury Protection (PIP)

An option that covers you (or others named on your policy) medical expenses that has incurred in a car accident.

Maryland Law Requires:
2,500 PIP for each person named on the policy

IMPORTANT

PIP coverage can be denied by your insurance agency if the claims are not properly and timely filed. It is imperative that you contact your insurance company immediately after an accident has occured and request PIP forms be sent to you.

Note: PIP is very similar to health insurance, therefore many insurers decide to wave this option. It should also be noted that PIP covers lost wages and passengers' medical expenses, which is not covered under most health insurance policies.

The Following are not Required by Maryland State Law:

Physical Damage Coverage (Comprehensive or Collision)

Is a coverage option that protects you against expenses related to damage or loss to your vehicle. This includes accidents that you caused, theft or vandalism to your vehicle.

Collision - will cover your repair to your vehicle or worth before an accident has occured. Collision coverage is rewarded regardless of fault.
Comprehensive - will cover the damage inflicted to your vehilce incase of theft or vandalism.

Medical Payments Coverage

Covers expenses for you or others injured or killed while riding in your vehicle.

Rental Reimbursement Coverage

This is an option that will cover the cost of renting a vehicle while your car is being repaired.

Transportation Expense Coverage

This option will cover additional transportation cost like rental or bus fare, while your vehicle is being repaired.

Towing or Labor Coverage

This covers the expense of towing your vehicle to a repair shop after an accident.

We at Superior Car Insurance hoped this page helped. Most of the content was researched from the following link off of Maryland Insurance Administration's Website http://mdinsurance.state.md.us/documents/consumerautoguiderev06-03.pdf

» back to top