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NOTICE CONCERNING THE WAVIER OF PERSONAL INJURY PROTECTION (PIP) COVERAGE IN MARYLAND
You have the choice of purchasing certain Personal Injury Protection (PIP) Coverages. Before deciding whether to purchase or
waive this coverage, please read the following carefully.
Full PIP coverage provides the following protection, without regarding to fault:
1. It covers you and members of your family residing with you who are injured in any m
otor vehicle accident; anyone injured
while in your vehicle; and pedestrians injured by your vehicle.
2. The minimum coverage is $2,500 and may be used to cover:
a. All reasonable and necessary medical expenses incurred within 3 years of injury; and
b. 85% of actually incurred lost wages; or
c. If the injured person is not employed at the time of injury, any reasonable and necessary expenses to provide
for essential services which that person would have provided for the care and maintenance of his or her
family or household.
If you do not sign
the waiver, you will automatically receive the full PIP protection described above. Your PIP premium will be
You may only waive PIP coverage for:
1. The named insured (you);
2. Al
l listed drivers on the policy; and
3. Members of your family who are 16 years of age or older and reside with you in your household.
The waiver prevents the named insured (y
ou) from collecting PIP benefits under any motor vehicle liability insurance policy
issued in the State of Maryland or another form of security authorized to be used in place of a motor vehicle liability insurance
policy.
The waiver prevents individuals described in cate
gory 2 or 3 above from collecting PIP benefits under your policy. In addition, the
waiver prevents these individuals from collecting benefits under any other policy of motor vehicle liability insurance issued in the
State of Maryland or another form of security authorized to be used in place of a motor vehicle liability insurance policy unless the
individual:
x Is the first named insured under the other policy;
x Has
not waived PIP benefits under the other policy; and
x Is not a named insured under any policy of motor vehicle liability insurance where a waiver of PIP benefits is in effect.
The waiver does not impair the rights of ot
her individuals such as pedestrians or minor children from collecting PIP under your
policy.
If you decide to sign the waiver, your PIP premium will be
of the full PIP coverage. The total premium will be
If you decide not to sign the waiver, your insurance company may not refuse to write your insurance coverage.