If you drive in Maryland, PIP coverage in Maryland is one of the most useful — and most overlooked — parts of your auto policy. Personal Injury Protection pays for accident-related medical bills and lost wages no matter who caused the crash, and it can apply to drivers, passengers, and even pedestrians hit by an insured vehicle.

Here's what makes PIP coverage in Maryland stand out: insurers must include it on every policy unless you waive it in writing, medical expenses are generally paid at 100% up to your limit, and lost income is reimbursed at 85%, all without raising your premium. Typical policy limits run $2,500, $5,000, or $10,000.

Many Maryland drivers don't realize they waived this coverage until after an accident leaves them without it — so it's worth checking your declarations page today.

Unlike Washington, D.C.'s "choice no-fault" system, Maryland's PIP doesn't force you to trade your right to sue for benefits. You can often use PIP and still pursue a claim against the at-fault driver.

Questions about your policy? A quick review can confirm exactly what your PIP coverage in Maryland includes — and whether you're getting everything you're entitled to.