Personal Injury Protection — Maryland
Personal Injury Protection (PIP) covers medical expenses, lost wages, and essential services for you and your passengers after an accident, regardless of who caused it.
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What Is Personal Injury Protection Insurance?
Personal Injury Protection pays medical bills, lost income, and replacement services like childcare or housekeeping after a car accident, covering you and your passengers without requiring proof the other driver was at fault. The coverage applies to injuries sustained in your vehicle or as a pedestrian struck by a car, with benefits typically available for up to three years from the accident date.
Who Needs Personal Injury Protection Insurance?
Drivers without health insurance benefit most, as PIP pays immediately without requiring you to prove fault or wait for the other driver's insurer to settle. Households with multiple drivers or passengers who frequently ride in your vehicle gain broader protection, since PIP covers anyone injured in your car regardless of their own insurance status.
Compare your health insurance deductible and out-of-pocket maximum to the cost of carrying higher PIP limits. If you have no health coverage or a high-deductible plan, keep PIP at the highest limit you can afford — it's the only coverage that pays your own injuries without requiring fault determination or litigation.
How Much Does Personal Injury Protection Insurance Cost?
- Household size — more licensed drivers or vehicles on the policy increases PIP cost proportionally.
- Zip code — urban areas with higher accident frequency and medical costs see premiums 20 to 30 percent above rural rates.
- Claims history — prior PIP claims in the past three years raise rates by 15 to 25 percent at renewal.
- Health insurance status — waiving PIP eliminates the cost entirely if you carry qualifying health coverage.
