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No, personal injury protection is not required in Maryland – it is optional. Maryland drivers are automatically offered $2,500 in PIP insurance, which covers medical expenses and lost wages within three years of an accident, but they can reject the coverage if they choose.
Below, we provide a quick overview of Maryland’s PIP policies along with stats illustrating why the coverage is worthwhile.
PIP Insurance in Maryland at a Glance
|PIP required?||No, PIP is optional|
|Minimum PIP coverage||$2,500 if purchased|
|Annual cost of insurance||$1,069|
|State accident laws||At-fault|
|National cost ranking (1=cheapest)||43|
Drivers in Maryland who do not reject PIP coverage must file PIP claims no more than one year after the date of a crash. However, the benefits may last for up to three years after the accident. During this period, PIP will cover medical, ambulance, and funeral bills, plus reimbursement of 85% of the policyholder’s lost income.
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