Opinion ID: 2299657
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Heading: Compulsory Motor Vehicle Insurance

Text: Since the early 1970s, Maryland's compulsory motor vehicle insurance law has been designed to ensure that those who own and operate motor vehicles registered in the State are financially able to pay compensation for damages from motor vehicle accidents. Enterprise Leasing Co. v. Allstate Insurance Co., 341 Md. 541, 549, 671 A.2d 509, 514 (1996). That law makes automobile liability insurance a prerequisite to the registration of a motor vehicle. Maryland Code, Transportation Article (TR), §§ 17-103, 17-104. The law specifies certain types of coverage that a policy must contain. As a result, policies will generally contain similar or identical provisions in order to comply with Maryland law, although there is no standard automobile insurance policy in Maryland. A. JANQUITTO, MARYLAND MOTOR VEHICLE INSURANCE (3d ed.2011) (Janquitto), § 6.6 at 161.