Exception in rendering!

Message: window is not defined

ReferenceError: window is not defined
    at new c (/tmp/execjs20161209-75876-1kx89b3js:136:3912)
    at m.mountComponent (/tmp/execjs20161209-75876-1kx89b3js:47:15602)
    at /tmp/execjs20161209-75876-1kx89b3js:49:31860
    at a.r.perform (/tmp/execjs20161209-75876-1kx89b3js:47:12503)
    at Object.a [as renderToString] (/tmp/execjs20161209-75876-1kx89b3js:49:31821)
    at r (/tmp/execjs20161209-75876-1kx89b3js:50:21164)
    at Object.S.ReactOnRails.serverRenderReactComponent (/tmp/execjs20161209-75876-1kx89b3js:32:6073)
    at eval (eval at <anonymous> (/tmp/execjs20161209-75876-1kx89b3js:173:8), <anonymous>:10:23)
    at eval (eval at <anonymous> (/tmp/execjs20161209-75876-1kx89b3js:173:8), <anonymous>:17:3)
    at /tmp/execjs20161209-75876-1kx89b3js:173:8

Insurance Requirements for Car Registration in Maryland

Insurance Requirements for Car Registration in Maryland

The Maryland Motor Vehicle Administration requires all drivers to carry liability automotive insurance, or “financial responsibility,” in order to operate a vehicle legally and maintain vehicle registration.

The minimum financial responsibility requirements for drivers in Maryland are as follows:

  • A minimum of $30,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $60,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $15,000 for property damage liability

  • A minimum of $30,000 per person, for uninsured or under-insured motorist liability. This means you’ll need to carry a minimum of $60,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum of $15,000 for property damage uninsured motorist liability

  • A minimum of $2,500 for personal injury protection. This is important because Maryland is a no-fault state, which means that the other party’s insurance may not pay for your personal injury regardless of who is at fault.

This means that the total minimum amount of financial responsibility you will need is $79,000 to cover bodily injury, property damage, uninsured or under-insured motorist, and personal injury protection liability insurance.

Waiving personal injury protection

Maryland law does allow drivers to waive the requirement for personal injury protection in order to obtain more affordable insurance plans. This puts you at risk for unpaid medical bills in the event that you are involved in an auto accident.

Maryland does not require other types of insurance, such as comprehensive coverage or collision coverage.

Proof of insurance

The state of Maryland does not accept insurance cards as legal proof of financial responsibility. Instead, you must present a Maryland Insurance Certificate, also known as an FR-19, in order to register your vehicle.

FR-19 forms can be obtained through your insurance company. These forms:

  • Are free

  • Are only valid for 30 days

  • May be faxed or emailed to the MVA

  • May not be presented in the form of a copy

Proof of insurance will be checked electronically at traffic stops or at the scene of an accident. Your insurance provider is required to report any changes to your insurance policy to the Maryland electronic monitoring system.

Violation penalties

If you fail to carry the proper insurance in Maryland, there are several types of penalties that could be issued:

  • A fine of at least $150 for the first 30 days of driving without insurance, and an additional $7 for each day after 30 days.

  • Vehicle plates and vehicle registration suspension

  • Suspended registration or renewal privileges

  • $30 registration restoration fee once you have proven that you carry the proper insurance

Canceling your insurance

If you wish to cancel your insurance, you must first return your license plates to a Maryland MVA office.

For more information, contact the Maryland Motor Vehicle Administration of the Department of Transportation through their website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

Post a question and get free advice from our certified mechanics.

ASK A QUESTION

More related articles

How to Buy Fuel Treatments
Adding a fuel additive to your gas tank when you fill up is one way to clean vital engine parts of deposits, improve the performance of your engine,...
How to Get a Louisiana Driver's Permit
s licensing program. The first step in this program is to obtain...
Veteran and Military Driver Laws and Benefits in New Mexico
The state of New Mexico offers a number of benefits and perks for those Americans who have either served in an Armed Forces branch...


Related questions

Q: what would be the average cost to own my vehicle over a ten year period

Typical "lifecycle" vehicle ownership and operation costs, such as you are inquiring about, are calculated on a 5 year interval. Going out 10 years has too much inherent uncertainly in inflation projections, and the costs of fuel, insurance, and repairs....

Q: A lot of damage, shops are backed up, mostly wondering if I'm possibly looking at a totaled vehicle.

You will likely need to get at least 3 different estimates on the vehicle to have a good idea of the costs. This way you can go to the insurance company with a fair estimate of the cost to repair...

Q: My 2003 Subaru WRX crashed and my insurance is giving me two options.

I would recommend taking the $6000 and getting another car with the money. The body damage is only an estimate of the damages the body shop can see and estimate. There is always hidden damage the body shop cannot see...