What type of insurance is required in Maryland?

In Maryland, the type of insurance that is required for all drivers is liability insurance. This insurance is designed to cover expenses related to damages or injuries that you may cause to others in an accident. It protects both the other party involved in the accident and the insured driver from financial burdens that arise from property damage or bodily injury claims resulting from a collision.

Liability insurance is a crucial aspect of responsible driving and ensures that drivers can assume financial responsibility for their actions on the road. Without it, drivers could face severe penalties, including fines, the inability to legally drive, and potential personal liability in the event of an accident.

While other options, such as comprehensive insurance, collision insurance, and uninsured motorist coverage, provide additional layers of protection, they are not mandated by law in Maryland. Comprehensive insurance covers non-collision-related incidents like theft or weather damage, collision insurance covers damages to your own vehicle resulting from an accident, and uninsured motorist coverage offers protection against accidents involving drivers who do not have insurance. Each of these types of insurance serves a specific purpose, but liability insurance is the foundational requirement for all vehicle owners in the state.