Maryland car insurance

To register and drive a car in the state of Maryland, you have to have a minimum level of car insurance coverage. With an estimated number of 4,407,973 licensed drivers in Maryland, getting car insurance online is extremely vital to keep you protected while on the road and reduce the extra costs that you may have incurred.

The state that you live in determines the coverage levels of insurance you will most likely have. Maryland has specific coverages and required limits that all drivers must purchase. To get the best car insurance in Maryland, you have to understand the minimum coverages and requirements that it follows as explained in the table below;

Coverage Requirements In Maryland
 
Bodily Injury Liability. This covers expenses incurred after the injury or death of another when the accident is your fault $30,000 per person and $60,000 per accident
 
Property Damage Liability. This covers the expenses resulting from the damage of another’s property like homes, vehicles and other structures when the accident is your fault $15,000 limit per accident
 
Uninsured Motorist. This covers the medical expenses resulting from an accident if the driver at fault has no insurance Bodily injury at $30,000 per person and $60,000 per accident and the property damage being $15,000 limit per accident
 
Underinsured Motorist. This covers the medical expenses after an accident and the driver at fault has limited insurance This is categorized under the uninsured motorist coverage
 
Personal Injury Protection. This covers the medical or funeral expenses if you or your passengers are involved in an accident $2,500 limit per accident

 

Having looked at the compulsory and minimum insurance requirements, there are optional coverages that you may be asked to use;

  • Collision which covers the expenses for the repair of your car after its been in an accident
  • Comprehensive which covers the expenses for the repair of your car after it’s been damaged or stolen

Personal Injury Protection Coverage

This is also referred to as no-fault insurance and it covers the costs of the medical payments incurred after the injury of you or your passengers due to an accident regardless of who is at fault

It is important to note that Maryland is not a no-fault state. This is because it doesn’t limit your right to sue the party at fault in exchange for this coverage like most no-fault states do

This means that the state of Maryland requires PIP but allows you to limit the coverages in writing meaning that once you have chosen a limited amount of PIP coverage in one policy, you have excluded yourself from PIP coverage under any other policy on another car

The table below shows a comparison between full and limited PIP coverage;

PIP Cost Coverage Covered Parties
 
Full Higher It covers the medical expenses, 85% of lost income, reasonable household service or funeral expenses ·         The policyholder

·         Their spouse

·         All members of the household who haven’t limited their PIP in a separate policy

 
Limited Lower It covers the medical expenses, 85% of income lost, reasonable household service or the funeral expenses ·         Household members below 16

·         Members of the household who haven’t limited their PIP in a separate policy

·         One injured while a passenger on another’s car or as a pedestrian

 

Insurance Discounts in Maryland

  • Multi-car discount
  • Good student discount
  • Safe driver discount
  • Anti-theft discount for those with the device installed
  • Bundling

Driving Laws for Teenagers in Maryland

If you are a teen in Maryland looking to get a driver’s license, you have to become familiar with its teen driving laws

You have to be at least 15 years and 9 months to receive a learner’s permit and complete a knowledge test

When you reach 16 years and 6 months and after holding the learner’s permit for a period of at least 9 months and completing 60 driving hours while supervised, you can become eligible for a provisional driver’s license

Young drivers have to complete a driver’s education and pass a road test. The minimum age to get a full license is 18

Failure to Have Car Insurance

It’s compulsory to have car insurance in Maryland and anyone who is caught driving without car insurance will have to pay a fine of $150 for the first 30 days and $7 for each additional day you go without having car insurance which will be up to an annual maximum of $2,500

Your car registration will also get suspended if you don’t have car insurance

If you drive with a suspended registration, then your car could get impounded hence getting additional tickets

 

Car Insurance Advisor content is not written by a licensed  insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for your situation

Maine

The state that you live in determines your insurance coverage levels and Maine is known for the large expanses of undeveloped woodlands, with over 1 million residents holding a driver’s license has specific coverages and minimum limits that all drivers must possess

Before purchasing car insurance online, it’s important to know the laws and requirements in Maine to make sure you are meeting its legal requirements

The table below shows the different coverage options and the requirements that govern it;

Coverage Requirements In Maine
 
Bodily Injury Liability. This covers the expenses incurred after the injury or death of another when the accident is your fault $50,000 per person and $100,000 per accident
 
Property Damage Liability. This covers the expenses resulting from the damage of another’s property like vehicles, buildings or any other structures when the accident is your fault $25,000 limit for the damage
 
Uninsured Motorist. This covers the medical expenses after you’re in an accident and the driver at fault has no insurance $50,000 per person and $100,000 per accident
 
Underinsured Motorist. This covers your medical expenses after you’ve been in an accident and the driver at fault has limited insurance This is grouped with the uninsured motorist insurance
 
Medical Payments. This covers the medical or funeral expenses that may result after you or your passengers have been in an accident $2,000 limit for the expenses

 

Having looked at the compulsory and minimum coverages, it’s important to note that there are other optional coverages you may opt for;

  • Collision which covers the expenses for the repair of your car after its been in an accident
  • This covers the expenses for the repair of your car after it’s been stolen or damaged

Fault-Based System in Maine

Car insurance in Maine follows a traditional fault-based system in terms of financial responsibility of the losses resulting from car accidents like lost income, vehicle damage and more

This system, therefore, implies that the party at fault is responsible for any resulting harm as well meaning that the burden of losses lies on him/her

Hence, if you have suffered injuries or damages due to an accident, you thereby have three ways that you can proceed;

  • Filing a claim with your insurance company with the assumption that the loss is covered within the policy
  • You can also file a third-party claim with the driver at fault’s insurance carrier directly
  • You can file a personal injury lawsuit against the party at fault in civil court

Insurance Discounts in Maine

  • Online purchase discount
  • Multi-policy
  • Good student discounts
  • Safe driver for those with a clean record
  • Anti-theft for those with the device installed

Laws for Drivers in Maine

In the state of Maine, new drivers under 18 years have to go through the Graduated Driver License System

If you are a teenager in Maine, you can apply for a learner’s permit at 15 and must be accompanied by a licensed driver who is at least 20 years and has held his/her license for a period of 2 years straight

To apply for a provisional intermediate license, the teen has to be 16 and must have had the permit for 6 months with 70 hours of supervised driving practice, 5 of which occur at night

The provisional license holders mustn’t drive between midnight and 5:00 am and may not drive with passengers aside from family members or a licensed driver

The teen may then apply for an unrestricted license once they’ve held the provisional license for 270 days and when they turn 16 years and 9 months, the passenger and nighttime driving restrictions are lifted

Drivers in Maine that are under the age of 18 aren’t allowed to text, interact or manipulate any electronic device while behind the wheel

Whoever does so will face penalties ranging from $50 for the first offense to $250 for the subsequent offenses

Failure to Carry Car Insurance

It is compulsory to have car insurance in Maine and it’s important to have the proof of your car insurance at all times and failure to present it to a law enforcement officer can result in a charge of uninsured operation and a loss of driving and registration privileges

Whoever is caught driving without car insurance in Maine can be fined $100 to $500 and be in jail for up to 10 days

Your driver’s license and vehicle registration can be suspended if you drive without proof of insurance since it’s considered illegal in Maine

Car Insurance Advisor content is not written by a licensed  insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for your situation

Louisiana

Just like most states, to register and drive your vehicle in Louisiana, you have to have a minimum level of insurance coverage options. With 2.9 million licensed drivers who travel an average of 10,000 miles a year each, Louisiana isn’t prone to accidents. Drivers are involved in thousands of accidents every day and it’s important to get car insurance online to protect yourself from the accidents that may occur. The state that you live in determines the coverage level you are supposed to pay and every driver must have car insurance in Louisiana but it’s important to understand the specific laws and requirements in terms of coverages and limits in car insurance as seen below;

 

Coverage Requirements In Louisiana
 
Bodily Injury Liability. This covers the expenses incurred after the death or injury of a driver or pedestrian when the accident is your fault $15,000 per person and $30,000 per accident
 
Property Damage Liability. This covers the expenses incurred due to the damage of another’s property like vehicles, buildings or any other structures when the accident is your fault $25,000 limit for the damage

 

Aside from the above compulsory minimum requirements, other optional coverages can be rejected if you don’t want to purchase it and they are;

  • Medical payments after an accident and the minimum requirement is $1,000
  • Uninsured and Underinsured coverage where the requirement will thereby be $15,000 per person and $30,000 per accident
  • Collision and Comprehensive coverages

Fault-Based System in Louisiana

The state of Louisiana is a fault-car accident state since it follows a traditional fault-based system in terms of financial responsibility for the losses that result from a car accident like lost income, damages, injuries and more. This system implies that the person at fault for causing the accident is also responsible for the harm that has resulted hence the driver at fault’s insurance carrier absorbs the losses up to policy limits

Therefore, anyone who has suffered an injury or damage resulting from an accident has three ways he/she can proceed;

  • Filing a claim with his/her insurance company assuming the loss is covered in the policy
  • Filing a third-party claim with the driver at fault’s insurance carrier directly
  • Filing a personal injury lawsuit against the driver at fault in civil court

Insurance Discounts in Louisiana

  • Online purchase discount
  • Bundling
  • Switching providers
  • Safe driving discounts
  • Active military discounts

Driving Laws in Louisiana

If you live in Louisiana, it’s important to stay updated on its laws as they can change frequently. The state of Louisiana follows a graduated licensing system where teenagers of 15 years and older may obtain a learner’s permit. Before receiving a permit, teen drivers must complete a state-approved driver education course that contains 30 hours of in-class training with 8 hours of actual driving

Hence, when the permitted drivers reach 17 years and have passed the Louisiana driving test, he/she can be eligible for an unrestricted license. New drivers under the age of 18 are prohibited from using mobile phones in any way whilst driving. The state of Louisiana has a ban on texting while driving and those that overlook look it could face a fine of up to $175 for the first offense and later $500 for other offenses

Failure to Carry Car Insurance

It is illegal to drive your vehicle without proof of insurance or financial responsibility

Under the law of Louisiana, you as a driver are required to show documentary proof of financial responsibility in the following ways;

  • When it has been requested by a law enforcement officer
  • When you’re registering or renewing the registration of your vehicle
  • When you’re obtaining or renewing your driver’s license

You will be given 3 days to provide proof of insurance and failure to do so will result in your vehicle being impounded and your license place removed until proof is provided and all fined are paid which range between $75 to over $700

If you fail to purchase car insurance and you get into an accident with another driver who’s insured, the Louisiana “No Pay, No Play” law will prevent you from collecting the first $25,000 property damage and $15,000 in personal injury and it doesn’t matter if the other driver is at fault

 

Car Insurance Advisor content is not written by a licensed  insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for your situation