All Maryland drivers are required to meet the state minimum auto insurance requirement or risk facing a criminal charge and license suspension. Drivers must have proof of primary insurance coverage before even registering a vehicle. Car insurance plays an essential role after any kind of car accident. Substantial medical expenses can cause a person to lose their car and be unable to buy a new one or continue working. If you’re new to Maryland or are a new driver in the state, it’s crucial to obtain and understand the necessary coverage. Let’s go over what you need to know about Maryland auto insurance.
Maryland is an “At-Fault” State
Maryland, like many other states, follows the “fault” system when determining financial responsibility for losses resulting from a car accident, such as injuries, lost income, and vehicle damage. This means the person who was at fault for causing the car accident is also responsible for any resulting harm. In Maryland, a person who is injured due to an auto accident can receive compensation by:
- filing a claim with their insurance company, assuming that the loss is covered under the policy
- filing a third-party claim with the at-fault driver’s insurance company
- filing a personal injury lawsuit against the at-fault driver.
Auto Insurance Requirements in Maryland
Maryland residents must obtain the minimum amounts of liability car insurance coverage, which are:
- $30,000 for bodily injury or death of a person in an accident caused by the insured driver
- $60,000 for total bodily injury or death liability in a crash caused by the driver of the insured vehicle
- $15,000 for property damage per accident caused by the insured driver.
These insurance requirements provide financial relief to parties injured in an auto accident or those who have suffered property in an accident. Auto insurance also protects drivers involved in a crash caused by someone who lacks insurance.
Penalties for Driving Without Insurance in Maryland
Like most states, Maryland charges fines to motorists without car insurance. The fine is $150 for the first 30 days, and then it is $7 per day for each day beyond that. The Maryland Motor Vehicle Administration may also impose administrative penalties in addition to fines or any other criminal penalties, such as:
- loss of license plates and vehicle registration
- a restoration fee of up to $25 for a vehicle’s registration
- inability to register any future vehicles or renew a suspended registration until all insurance violations are cleared
- confiscation of license plates once a registration suspension is in effect
Contact The Snyder Law Group Today
The Snyder Law Group, LLC, proudly represents clients throughout Maryland and Washington, D.C. Our experienced Baltimore attorneys understand the frustration that comes with an insurance company, medical professional, or other party that refuses to accept liability for negligent or reckless behavior. You can take heart in knowing there are talented and experienced lawyers ready to work for you. We are experienced in handling personal injury claims of medical malpractice or injury resulting from serious car and truck accidents, and have secured hundreds of millions in verdicts and settlements. Please visit our website, www.410thefirm.com, or call us at 410-843-3476, for more information. Follow us on Facebook, Twitter, and LinkedIn.