Personal Injury Protection Coverage – Rejection of Coverage.
Personal Injury Protection Benefits [PIP] are first-party no-fault car insurance benefits available under Maryland law. As Attorney Eric T. Kirk will tell you.
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.