All Maryland vehicles MUST be insured at ALL times by a vehicle insurance company licensed in Maryland. Your PIP insurance won't reimburse for repairs to your car or for damage you cause to other people's property. In addition to medical expenses, PIP insurance offers some death or disability benefits that you might not find in a MedPay insurance policy. After a collision, the at-fault insurance company (which may be your own insurance company if you have collision coverage) will reimburse you for the replacement of your child's car or lift chair, as long as the safety seat was in the impacted vehicle at the time of the collision and regardless of whether the child was in the vehicle.
Likewise, most insurance companies don't offer PIP coverage as part of their motorcycle insurance policies. Most insurance companies will require a receipt for the new car seat, as well as proof of purchase or a photo of the old seat, to ensure that these are items with a similar value, so be sure to keep these records. PIP insurance offers primary coverage, which means that it may need to be used before your health insurance policy takes effect. Under Maryland law, PIP insurance cannot be subrogated, which means that the payment of a PIP claim by an insurance company does not exclude the liability of other individuals or institutions, and your insurer cannot recover from you the money paid by another source.
Maryland auto insurance companies cannot apply a fee surcharge to drivers who file PIP claims. Instead, you'll have to resort to your health insurance, disability insurance, or at-fault driver liability insurance policy, if you weren't the cause of the accident. A typical PIP insurance policy covers the policyholder, as well as the passengers in their car, the authorized drivers of the insured vehicle, and the pedestrians hit by that car.