Opinion ID: 2299657
Heading Depth: 1
Heading Rank: 3

Heading: Required Coverages

Text: Under the compulsory insurance law, a motor vehicle insurance policy must provide minimum liability coverage of $30,000 per person for personal injuries, up to a total of $60,000 per accident, and $15,000 for property damage. Maryland Code, Insurance Article (IN), § 19-504, TR § 17-103(b)(1),(2). The policy must also provide a form of no fault insurance generally referred to as personal injury protection or PIP coverageto cover medical, hospital, and disability expenses for the insured, family members, guests and authorized users without regard to fault. IN § 19-505; TR § 17-103(b)(3). Finally, pertinent to this case, a policy must provide protection against damages caused by uninsured motorists, sometimes referred to as UM coverage. IN § 19-509; TR § 17-103(b)(4). It is well-settled that UM coverage includes coverage for accidents involving under-insured, as well as uninsured, motorists. GEICO v. Comer, 419 Md. 89, 91 n. 1, 18 A.3d 830 (2011).