Maryland Vehicle Policy
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FAQ
Usually, when a third party drives your car he or she has permission. However, you should be explicit in giving the person who takes your car permission. Always base the decision on whether the borrower is a responsible driver. Maryland law views the car driver as an agent of the vehicle's owner.
It's important to understand that you can only drive a car if you have insurance. If you don't have your own insurance policy (either on your own car including DOC cover, as a named driver on the car owner's policy, or standalone temporary cover), you will not be legally covered to drive.
Contrary to popular belief, car insurance typically follows the car not the driver. If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy.
The minimum legal Maryland car insurance coverage is: Bodily Injury Liability Coverage: $30,000 minimum per person / $60,000 minimum per accident. Property Damage Liability Coverage: $15,000 minimum. Uninsured Motorist Bodily Injury Coverage: $30,000 minimum per person / $60,000 minimum per accident.
Is my car covered if someone else drives it? Fortunately the insurance follows the car and not the driver. Your vehicle is covered as long as you give that person permission to drive your car. One thing to note is that your insurance company will be the one to pay out and surcharge you if the driver causes an accident.
Few people see driving without auto insurance as a crime. However, Maryland requires all drivers to carry minimum insurance. Knowingly operating a vehicle without insurance is a severe offense that may result in hefty fines, jail time, or license suspension.
If someone else is driving your car and crashes in Maryland, the driver could sustain injuries, the car will likely be damaged, and other people could be injured. You may need to get i contact with a Maryland personal injury attorney.
State Regulations. Regulations about adding a teenager to your auto insurance vary by state. In nine states -- North Carolina, West Virginia, Pennsylvania, New York, Ohio, Virginia, Illinois, Indiana and Maryland -- you must add your teen driver to your policy when they get their permit.
