Do I need personal injury protection and uninsured motorist coverage if I have health insurance in Maryland?

I have good health insurance. I want to know if it's required that I also have uninsured motorist coverage and personal injury protection. I'm not really worried about having to pay medical bills if injured in an accident.

“In Maryland, every driver must have both uninsured/underinsured motorist coverage and personal injury protection to legally operate a vehicle.
While it may seem excessive to carry these coverages if you have health insurance, medical bills from an accident can be extremely high. Having extra coverage will only protect you in the long run.
Additionally, personal injury protection and uninsured motorist coverage will protect your passengers if you get in an accident with an at-fault, uninsured driver. Your health insurance typically won’t cover someone else’s injuries. “
Emily Maracle
Answered on May 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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