Maryland’s official guide lists 30/60/15 liability and UM, plus $2,500 PIP with conditional waiver/rejection arrangements.
Key takeaways
- Read the Maryland starting point
- Full, limited and rejected PIP differ
- A Maryland person-by-person worksheet
On this page
Coverage requirements at a glance
| Coverage | Amount or rule | Scope and exceptions |
|---|---|---|
| State-specific coverage rule: Read the Maryland starting point | MIA’s guide lists bodily injury of $30,000 per person/$60,000 per accident, $15,000 property damage, UM in those units and $2,500 PIP. The PIP elections need a separate applicability check. | Do not use price tables as current personal quotes. Full/limited/rejection PIP conditions and EUIM require current review. Existing official material inspected 2026-10-12. Original commencement date is not established by this metadata; the source’s scope and exceptions remain applicable. Official source 1 for State-specific coverage rule: Read the Maryland starting point |
| State-specific coverage rule: Full, limited and rejected PIP differ | The guide says limited PIP removes protection for specified people, including resident family members 16 or older and listed drivers, while retaining specified protection for others. It requires a signed waiver. Rejection is described as conditional rather than available to everyone. | Do not use price tables as current personal quotes. Full/limited/rejection PIP conditions and EUIM require current review. Existing official material inspected 2026-10-12. Original commencement date is not established by this metadata; the source’s scope and exceptions remain applicable. Official source 1 for State-specific coverage rule: Full, limited and rejected PIP differ |
Maryland’s official guide lists 30/60/15 liability and UM, plus $2,500 PIP with conditional waiver/rejection arrangements.
Read the Maryland starting point
MIA’s guide lists bodily injury of $30,000 per person/$60,000 per accident, $15,000 property damage, UM in those units and $2,500 PIP. The PIP elections need a separate applicability check.
Full, limited and rejected PIP differ
The guide says limited PIP removes protection for specified people, including resident family members 16 or older and listed drivers, while retaining specified protection for others. It requires a signed waiver. Rejection is described as conditional rather than available to everyone.
Do not mistake the rate guide for your quote
Its scenario tables describe selected assumptions. Obtain current proposals using your actual driver facts and coverage choices; no table entry is reproduced as a Maryland average or personal price here.
A Maryland PIP waiver changes who is protected
Do not compare only the $2,500 label. The guide’s limited-PIP discussion identifies particular people whose protection changes, including resident family members age 16 or older and listed drivers. An actual signed waiver and its scope matter. Full PIP, limited PIP and conditional rejection should appear as different rows in your comparison.
| Person or record | Question for the proposal |
|---|---|
| Named driver | Which PIP selection applies? |
| Resident family member | Does the waiver affect this person? |
| Passenger | Which conditions and other insurance affect payment? |
| Signed waiver | Who signed it and which policy does it concern? |
| Renewal | Does the issued policy reflect the intended selection? |
Hypothetical: A household includes a parent, a 17-year-old resident driver and an occasional passenger. Do not assume the same PIP result for all three because they rode in the same car. Ask the insurer to apply the actual election to each person before treating two proposals as equivalent.
Separate the property limit from your car’s deductible
Hypothetical: Assume a covered at-fault accident causes $19,000 of damage to another person’s vehicle under a $15,000 property-damage limit. The simple limit shortfall is $4,000. Separately, assume your own eligible collision repair is $2,800 with a $500 deductible: the simple payment is $2,300. Neither calculation borrows unused PIP capacity to cover car damage.
These amounts illustrate different protections; they are not Maryland repair averages or predictions about legal responsibility. If several properties are damaged, the per-accident property ceiling requires looking at the claims together.
Ask for the UM endorsement, not just its label
Keep the actual UM selection and any enhanced-UM offer or election. The current EUIM requirements remain a private legal-review question; the guide should not infer them from a general UM line. Ask the insurer to explain how the selected endorsement handles the other driver’s payment and your covered damages.
Before switching, match household details, PIP elections, liability, UM and deductibles on both issued offers. Retain the forms with the policy. For a dispute, give MIA the precise provision and insurer explanation rather than assuming the policy with the lowest total protects the same people.
Sources and review scope
Maryland Insurance Administration: Auto Insurance Comparison Guide. Source access/inspection: October 12, 2026. The coverage needs checklist can organize the policy discussion; it does not establish legal compliance.
Sources & references
Use these references to verify the information in this guide.
Policy terms and state requirements can change. Verify details with official sources and a licensed professional. Read our editorial standards.