Department of Insurance Contact Information
Maryland Insurance Admin.
525 Saint Paul Place
Baltimore, MD 21202
State Department Website
File Complaint Website
Liability insurance is only one of three types of insurance coverage you are required to carry while driving in the state. The minimum levels required are: - $20,000 bodily injury per person - $40,000 bodily injury per accident - $15,000 per accident property damage
Uninsured Motorists Coverage is also required and designed to make sure that there are no gaps in coverage in the case of an accident where someone will walk away without the protection or coverage they need. By requiring all drivers to carry this type of insurance, they can rest assured that if they are involved in an accident with a person who is in violation of the law and has no insurance and no assets to sue for, they can still be protected for their injuries and damage. The state law mandates the same minimum levels of coverage for uninsured motorist insurance as they do for liability protection: $20K injury/$40K max injury/$15K property damage.
Personal Injury Protection (also known as PIP) is a popular type of insurance that protects you if you are involved in an accident that leaves you unable to work. The insurance will pay you a certain amount per month up to the maximum amounts if you unable to work for a period of time. The minimum amount of coverage required is $2,500.
Insurance is NOT required on:
Non-registered nonoperational vehicles
Your registration is revoked and you are asked to return the license plates on your vehicle. Not doing so can result in hefty fines and the possibility of some jail time.
If your accidently insurance slips, you need to rectify the matter immediately. If you don't, you will be fined $150 for the first 30 days and then $7 for each day after that. Plus, your registration is gone and there will be a reinstatement fee when you get matters back in order.
Lose of license plates and vehicle registration privileges. - Pay a restoration fee of up to $25 for a vehicle's registration. - Have license plates confiscated by an authorized tag recovery agent, once registration suspension is in effect.
Pay uninsured motorist penalty fees for each lapse of insurance - $150 for the first 30 days, $7 for each date thereafter. - Be prohibited from registering any future vehicles until all insurance violations are cleared. - Pay a fine of up to $1,000 and/or 1 year imprisonment if provided false evidence of insurance.
Requirements Regarding Proof of Insurance: Proof Required - When Obtaining Registration
Penalties For Not Carrying Mandatory car insurance: Fine up to $1000 and up to one year in jail
$20,000 for injury/death to one person
$40,000 for injury to more than one person
$15,000 for damage to property