The state of Maryland requires all drivers to carry, at the minimum, the following liability insurance limits:
$20,000 bodily injury limit per person
$40,000 bodily injury limit for two or more people
$15, 000 to cover property damage
In addition to liability coverage, a driver must also have uninsured motorist coverage, Personal Injury Protection (PIP), and in some cases, SR22 insurance. Uninsured motorist coverage protects against damage sustained from an accident and no liability insurance in place for the other vehicle. Personal Injury Protection is mandatory to cover medical expenses of passengers and should be in the amount of $2,500 dollars. Some states offer alternatives to liability insurance, however; Maryland does not.
A driver could have his/her license and registration suspended. The reinstatement fee is $25. There is a $150 fee for the first 30 days of a lapse and $7 per day thereafter. The offender could also face jail time and a fee of up to $1,000.
Ways to Submit an FR-19:
This form must come from the SR22 insurance provider. It can be faxed, mailed, or sent electronically to the Motor Vehicle Administration. Anytime liability insurance is cancelled or switched to another insurance company the Motor Vehicle Administration is notified.
When registering a vehicle for the first time the FR-19 form must also be submitted.
A few Facts
Almost every two and a half days somebody in the state of Maryland is unnecessarily killed by a drunk driver and more then 8,000 accidents each year involve an impaired driver. Even though the number of traffic fatalities in the state has dropped over the past few years, the number of drug and alcohol related crashes has not.