Maryland law requires that all drivers hold uninsured motorist coverage (UM insurance) or enhanced underinsured motorist coverage (EUIM insurance) that covers at least $30,000 in damages per person injured, with a cap of $60,000 per accident. This coverage is intended to help cover any losses caused by a driver who doesn’t have insurance (or doesn’t have enough coverage for the damages in your accident). Some relevant examples would include a hit-and-run accident, an accident with a driver who let their policy lapse, or a driver who was simply risking it by operating without insurance.