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• MD Auto Insurance

Maryland Auto Insurance

Get Information on Maryland Insurance Laws & Companies, then Compare Quotes

In order to purchase the best and cheapest auto insurance policy, it’s important to be informed about Maryland’s minimum liability requirements. You want to be able to be informed about which insurance companies have high customer approval ratings and you should also learn about ways that you may improve your estimated “risk factor” in order to get a lower premium. Once you know what you need, which companies you are interested in, and some tips and ideas for lowering your insurance rate, you’ll be able to lower your monthly premium and have the best car insurance policy that meets your needs.

Compare Maryland auto insurance company quotes here for instant free quote comparisons between most of Maryland’s top car insurance companies.

Maryland auto insurance coverage minimum requirements:

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

• Maryland follows a tort system for auto insurance.
• Personal Injury Protection insurance is required in Maryland.
• MD does require uninsured or underinsured motorist coverage.

The tort system for auto insurance:

A tort system is an auto insurance system that holds the driver who is responsible for causing the accident liable for the victim’s medical and other accident-related expenses, like “loss of wages” and “pain and suffering” compensation. A no-fault system does not require that a person be held responsible for causing an accident and will reimburse a policyholder without proof of fault. A no-fault system will usually restrict the right of a driver to seek compensation through the civil justice system.

Personal Injury Protection (PIP) insurance:

Personal injury protection is an extension to auto insurance plans that covers medical and accident-related expenses regardless of who is at fault.

Uninsured or underinsured motorist coverage:

An uninsured or underinsured motorist may cost you money if you are the victim of an accident and they either do not have insurance or their insurance is not adequate enough to cover your expenses. In Maryland, you may choose to purchase uninsured motorist coverage and it is probably smart to do so, but it is not state law that you must. If you have uninsured motorist coverage, then you and your passengers may be able to collect from your own insurance company in the event that the at-fault party does not have adequate insurance coverage.

While these are the minimum required liability limits, it is usually considered a good idea to purchase additional optional coverages (medical, uninsured and underinsured motorist, collision, and comprehensive). The amount of coverage you choose affects your Maryland auto insurance rates.

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