You can choose to purchase coverage for amounts greater than this legal minimum. As in the second scenario above, your insurance company intervenes in this scenario if your insurance coverage exceeds that of the person who caused your injuries. Since Maryland is a liability state, meaning that all accidents are considered at-fault accidents and drivers must rely on each other for liability coverage, drivers who don't have enough car insurance leave their insured counterparts in a difficult situation. Property damage insurance for uninsured drivers covers the repair or replacement of your car if you're involved in an accident caused by an uninsured driver.
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