As the cost of living and inflation continue to rise every year and especially every decade, many states have begun kicking around the idea of raising mandatory car insurance coverage levels. Currently, there are certain states that have had the same limits in place for decades, while others have protection levels that would not cover very much following a serious traffic collision. Fortunately, states have started to move on the need for more coverage and MD is one of the latest to implement a law requiring more extensive liability policies.

Beginning January 1, 2011, the Maryland auto insurance laws require that all policies written or renewed after that date must consist of liability limits of $30,000 for bodily injury to one person and $60,000 for bodily injury to two or more people in one accident. The Uninsured Motorist coverage requirement must also consist of these same limits for bodily injury to the policyholder and anyone considered an insured. This is an increase from the previous required limits of $20,000 and $40,000. However, the property damage limit of $15,000 for both liability and uninsured motorist has remained the same, but can be increased by the consumer should they feel the need for more protection.