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Personal Injury Protection Coverage - Rejection of Coverage.

Personal Injury Protection Benefits [PIP] are first-party no-fault car insurance benefits available under Maryland law. Historically, one could obtain benefits, or could decline the availability benefits at least as to themselves-but not for their passengers- by telling their insurance company they did not want the coverage, signing something to that effect, and not paying premiums for the coverage. The Assembly has recently enacted a change in this process. Marylanders now have the option of carrying less insurance. An insured may now reject personal injury protection altogether, so long as

The policy at issue is a minimum coverage [i.e. 30k policy], and either:

  • If the policy is offered by the Maryland Automobile Insurance Fund [the MAIF] the applicant has not been insured continuously by the MAIF for at least 1 year.
  • If the policy is offered by insurer other than the MAIF and  prior to the application, the applicant was insured by an insurer other than the Maryland Automobile Insurance Fund; and that insurer canceled the policy.

I've made a career of battling insurance companies, to ensure fair compensation for those I represent. I'd be happy to take a complimentary look at your claim and offer my opinions and advice. feel free to contact me today to schedule a discussion.

Eric T Kirk
Attorney

After graduating with honors from Albany Law School in New York, Eric Kirk has spent most of his 25 year legal career battling insurance companies to secure fair and just compensation for his clients in Maryland, New York, and Florida.

410-657-5962