Update: This 11-year-old blog says the minimum auto insurance coverage in Maryland is $20,000 per claim. This minimum has now been increased to $30,000. Is this still too low? It is too low.
There was an article in yesterday’s Baltimore Sun about a young man who was seriously injured in a car accident- a taxicab hit him while he was riding his bicycle. The article focused on his struggle to obtain medical care. One of the things that was pointed out was that the taxi only had $20,000.00 in liability insurance, which is the minimum amount of insurance allowed under Maryland law. The taxi’s insurer is the Maryland Automobile Insurance Fund (MAIF), which is the state’s insurer of last resort.
In handling auto accident injury cases in Baltimore City, I have noticed over the years that it seems that more drivers in Baltimore City have minimum limits than in other places. Also, more often than not these are MAIF policies.