Q: What if the person responsible for the accident has no insurance?
A:You may still be able to receive some compensation for your injuries even if the person responsible for the accident does not have insurance. Insurance providers in Maryland are required to offer you Personal Injury Protection (PIP) coverage. PIP coverage is also referred to as Maryland no-fault insurance.
You have PIP coverage unless you specifically sign a waiver denying you PIP coverage.
Regardless of who is responsible for the accident, PIP will cover medical expenses, lost wages and other bills related to the accident. PIP coverage will cover the insured driver, family members, passengers, drivers given permission from the insured person to use the vehicle, and even pedestrians involved in the accident.
Maryland accident law allows for both full and limited PIP insurance. If you are unsure of what type of Maryland PIP coverage you have, talk to a skilled Maryland accident attorney who can help explain your auto insurance policy.