Maryland law and car insurance


Maryland operates as a ‘fault’ car insurance state, meaning that the person who is responsible for the accident is also responsible for all the damages incurred by the ‘at fault’ operator of the motor vehicle.  As such, state laws requires the basic amount of car insurance for all drivers called liability insurance.  The purpose of liability insurance is to protect you, as the driver, and anyone involved in a car accident.  Property damage and/or medical bills can skyrocket quickly.  According to Maryland law the minimum requirement for liability insurance stands at:

  • $30,000 for the injury or death of a personCarInsurance
  • $60,000 total for multiple injuries or deaths
  • $15,000 for property damage.

Please note that this is the minimum requirement for state law, however, you are liable for any additional costs which could come out of your savings, so The Jordan Insurance Group recommends to increase your coverage for better protection.

If you are in the market to purchase or lease a new vehicle, be aware that your finance company could require you to carry comprehensive and collision insurance along with liability insurance.

The Jordan Insurance Group will be able to assist you with all of your car insurance needs.  Give us a call today.

Content provided by Transformer Marketing.