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A Profile Of Maryland Auto Insurance
State law requires all resident drivers must be covered by minimum levels of Maryland auto insurance. Three types of policies must be carried. They include liability, uninsured motorist, and personal injury protection (PIP). The mandated minimum coverage levels include 30K dollars for bodily injury (per person), 60K dollars for bodily injury for two people, and 15K dollars for property damage.
Maryland auto insurance-mandated liability policies cover the expenses incurred by third parties in accidents caused by a policy-holder. These include costs associated with property damage, death, or bodily injury suffered by others. These policies do not reimburse the policy-holder for damages incurred by her or him.
Although state laws mandate drivers must carry Maryland auto insurance, experts estimate about 25 percent fail to do so. Uninsured motorist policies cover damages incurred by a policy-holder and her or his passengers when an uninsured driver is at fault. These plans cover the uninsured, as well as the under-insured motorist. An under-insured driver is one whose coverage levels are insufficient to pay for the damages caused by her or his actions.
PIP policies are also known as no-fault plans. These Maryland auto insurance-mandated plans provide disability, hospital, and medical coverage for the policy-holder, as well as his or her family and non-family passengers, regardless of fault. In general, covered expenses may be related to medical treatments, ambulance transportation, or funerals. Some jurisdictions also extend the coverage to property.
Optional Maryland auto insurance policies include collision. It pays for damages to a policy-holder’s automobile when she or he is at fault. Accidents may involve collisions with other vehicles or objects (guard rails, trees, telephone poles, buildings, etc.), as well as flipping over. This policy also covers expenses related to damages caused by driving through pot holes. The policy-holder is provided with the funds to repair (or replace, if deemed totaled) her or his car, up to a predetermined maximum.
Another optional Maryland auto insurance plan is comprehensive. This type of coverage pays for damages incurred to a vehicle which results from a non-vehicular collisions. Damages may result from fire, theft, vandalism, collisions with animals, or falling objects. In addition, incidents deemed beyond human control (known as Acts of God) are covered by these policies. They include damages sustained from hurricanes, hailstorms, tornadoes, blizzards, floods, and earthquakes.
Created by the state legislature in 1972, the Maryland Auto Insurance Fund (MAIF) provides coverage to state residents who have been canceled by private companies. It also covers residents who have been denied coverage by at least two companies. The Maryland Auto Insurance Fund is an independent agency, and reports directly to state legislators.
Those who fail to comply with Maryland Auto Insurance laws risk severe penalties. Among them are loss of license plates, suspension of vehicle registration privileges, and fines for their lapses of coverage. The penalty is 150 dollars for the first 30 day period of non-insurance, followed by seven dollars per day after that.
It’s important for state residents to comply with Maryland auto insurance regulations. The mandatory coverage insures drivers, their passengers, and operators of other vehicles are protected against financial damage. Plans are available to cover bodily injuries as well as property damages.
