All states require licensed drivers to have auto insurance coverage or other proof of financial responsibility. While there are some general similarities between states' requirements, there are some differences that can vary from state to state. For example, in many states, you must have mandatory liability coverage as well as PIP, or personal injury protection.
If you are looking to become a licensed driver in these states, you must get insurance through an insurance provider that is approved by the state. Your coverage must include at least:
- $20,000 for bodily injury per person
- $40,000 for injuries for two or more people
- $15,000 for property damage
Additionally, most people must have PIP, or personal injury protection unless you meet certain waiver requirements. With this form of coverage, your injuries are covered by your own insurance company as long as they are directly related to an auto accident. Also, you must file for these damages within a certain amount of time. Often, once you claim your PIP coverage for an accident, you are no longer able to sue in the future for pain and other problems stemming from the accident.
If you do not have the proper insurance coverage, you must file your information with the state's Motor Vehicle Administration, or MVA. This helps protect people from uninsured motorists. This can happen if your previous insurance gets canceled, or if you reach three driving "points" or citations. You file form FR-19 on your own; it is not the responsibility of your new insurance provider.
Should at least two insurance companies in the state refuse you, or if your policy gets canceled by your provider, you can get insured through the state's Automobile Insurance Fund. In most states, this fund is overseen by a Board of Trustees that helps administer the funds.
If you need help getting the auto insurance you need to drive in Maryland, you can quickly and easily compare quotes online.
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