MARYLAND AUTO INSURANCE GUIDE
Maryland Uninsured & Underinsured Motorist Coverage
Maryland automobile policies include statutory uninsured and underinsured motorist protection subject to policy type, insured status, applicable limits, waivers and current enhanced-UIM rules.
- Obtain declarations, UM/UIM endorsements and any waiver or election forms.
- Identify every policy under which the injured person may qualify as an insured.
- Review limits, offsets, settlement, consent and subrogation provisions.
- Apply current Maryland Insurance Article § 19-509 et seq. and controlling authority.
Publication review note — September 17, 2026. Verify current UM/UIM statutes, policy forms and appellate authority before publication.
VictimsGuide 