What's the difference between property damage and personal injury protection?

Do both property and personal injury coverage protect me in an accident? Both are required in Maryland, but I don't know what the difference is.

Answer provided by
Emily Maracle
Answered on Jul 08, 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.
“The main difference between property damage liability and personal injury protection is that property damage covers things while personal injury protection covers people.
The purpose of property damage liability is to cover the property of other people when you’re at fault in an accident. This includes damage to a vehicle or other property, like a fence. It does not cover damage to your property or vehicle.
Personal injury protection provides medical coverage for you or your passengers if you’re injured in any type of car accident. It also can cover things like:
  • lost wages
  • health care deductibles
  • health care copays
  • funeral expenses
Both are required in Maryland as part of the state’s minimum car insurance requirements. The minimum amount of property damage liability you’re required to carry is $15,000. The minimum amount of personal injury protection is $2,500.”

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