What is PIP insurance in MD?
In Maryland, all drivers must carry auto insurance. Personal injury protection coverage is one important component of car insurance in this state. Understanding how personal injury protection works in Maryland will help you decide if this coverage is right for you.DefinitionIn Maryland, personal injury protection is an auto insurance coverage that pays for the policyholder’s injuries and expenses caused by a vehicle accident.FaultUnlike traditional tort coverage, in which the at-fault party cannot recover damages under his own policy, personal injury protection coverage is available to everyone covered under the policy. Fault does not exclude a person from coverage.CoveragePersonal injury protection pays for medical expenses incurred because of a car accident. It also pays the injured person for lost wages resulting from her injuries.LimitsMaryland auto insurance companies must offer at least $2,500 of personal injury protection coverage with all car insurance policies. Insurance compa
