Maryland Car Insurance Laws May 2026

: You must present an FR-19 form (Maryland Insurance Certification) to the MVA when registering a vehicle or if requested during a compliance audit.

: Maryland follows a strict contributory negligence rule. If you are found even 1% at fault for an accident, you may be barred from recovering any damages from the other driver. Factors Affecting Maryland Rates Guide to Car Accident Claims in Maryland maryland car insurance laws

: Most policies require you to notify your insurer "promptly" after a crash, typically within 24 to 72 hours . : You must present an FR-19 form (Maryland

: Driving without insurance is a misdemeanor. Conviction can result in fines up to $1,000, and the Maryland Motor Vehicle Administration (MVA) can impose administrative fees or suspend your registration. Factors Affecting Maryland Rates Guide to Car Accident

: $30,000 per person and $60,000 per accident. Property Damage Liability : $15,000 per accident.

: A minimum of $2,500 is required, though it can sometimes be waived for certain family members. Key Maryland Auto Insurance Laws