The Compulsory Liability Insurance Law of 1970 set the basic system in place. For all auto insurance policies renewed after January 1, 2011, the minimum amount of liability cover mandated increased to 30/60/15. Once you buy a vehicle, you have thirty days in which to register it. The same time limit applies if you move your residence to Maryland. But once on the road, the law is more flexible.
Drivers involved in a crash are not required to prove they have current car insurance cover. Law enforcement officers are not required to ask for evidence you hold the mandatory minimum insurance cover. But if the officer does ask and you cannot produce the evidence, a fine is payable. Actually officers have an insured motorist database and the dispatcher can check whether you are insured without you having to produce any evidence.
The obligation to insure falls on the owner and, if there's an accident, the claim is made to the owner even if the driver had his or her own insurance. Maryland also creates a default obligation to buy at least $2,500 of Personal Injury Protection to cover medical expenses and lost wages should you be injured no matter who caused the accident. You may decide to waive PIP if you believe your own health care coverage is adequate.
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