Coverage above the minimum is available from your insurance company or agent. In no-fault states, you rely on your own insurance to cover medical bills and other out-of-pocket losses, regardless of who caused the car accident. In at-fault states, the driver who is at fault for a car accident must pay for the other party's damages, including medical bills, car repairs, lost wages, and pain and suffering. Not obtaining insurance or showing proof of insurance can result in fines, penalties, and even jail time.
As severe as these penalties are, they pale in comparison to the financial impact you could suffer if you have a car accident and don't have car insurance. Some Maryland motorists with health insurance consider PIP redundant, so they choose to limit PIP coverage to lower their premiums. Basic car insurance in Maryland indicates the minimum insurance requirements required by state law. These prices are just estimates based on the rates of an average Maryland driver and should not be used to compare insurance prices.
To check the status of your insurance, your insurer must file a Form FR-19 (Maryland insurance certificate) to the Maryland Motor Vehicle Administration (MVA) on your behalf. If, instead, you're looking for a policy that balances quality with affordability, MoneyGeek also ranked Maryland's top auto insurance companies. Car insurance costs in Maryland depend on several factors, such as your age, zip code, credit score, driving history, make and model of your car, and more. It'll be easier for you to get unlicensed car insurance if you include another driver with a valid license.
Fault drivers often rely on liability insurance to pay for damages, which is why Maryland law requires car owners and drivers to have a minimum amount of liability insurance. If you know or have reason to know that a car is not insured and you drive it (or allow someone else to drive it) anyway, you can go to jail. A valid Maryland auto insurance policy includes liability insurance, coverage for uninsured drivers, and personal injury protection. Here are answers to some of the most frequently asked questions about car insurance in this state.