MD DMV Insurance and Financial Responsibility 2 — Questions and Answers
Question 1: What is the minimum bodily injury liability coverage per person required for Maryland drivers?
- $30,000 (Correct answer)
- $15,000
- $50,000
- $25,000
Correct answer: $30,000
Maryland requires minimum bodily injury liability coverage of $30,000 per person.
Question 2: What is the minimum bodily injury liability coverage per accident required in Maryland?
- $60,000 (Correct answer)
- $30,000
- $100,000
- $50,000
Correct answer: $60,000
Maryland requires $60,000 in bodily injury coverage per accident when two or more people are injured.
Question 3: What is the minimum property damage liability coverage required in Maryland?
- $15,000 (Correct answer)
- $5,000
- $10,000
- $25,000
Correct answer: $15,000
Maryland requires a minimum of $15,000 in property damage liability coverage.
Question 4: Which agency must you notify if you cancel your vehicle insurance while keeping your Maryland registration active?
- You must return the license plates to the MVA before canceling (Correct answer)
- The local police department
- Your county tax office
- No notification is needed
Correct answer: You must return the license plates to the MVA before canceling
Maryland law requires you to return your license plates to the MVA before canceling insurance on a registered vehicle.
Question 5: In Maryland, uninsured motorist coverage is:
- Required as part of every auto insurance policy (Correct answer)
- Optional for all drivers
- Required only for drivers under 21
- Required only for commercial vehicles
Correct answer: Required as part of every auto insurance policy
Maryland requires uninsured motorist coverage in every auto liability policy.
Question 6: What happens to your vehicle registration if your insurance lapses in Maryland?
- The MVA can suspend the registration and assess daily fines (Correct answer)
- Nothing, as long as you don't drive
- You get a 90-day grace period automatically
- Only your driver's license is suspended
Correct answer: The MVA can suspend the registration and assess daily fines
The MVA suspends registration for insurance lapses and charges fines that accrue for each day without coverage.
Question 7: Which type of insurance pays for damage to your own car in a collision you caused?
- Collision coverage (Correct answer)
- Liability coverage
- Uninsured motorist coverage
- Personal injury protection
Correct answer: Collision coverage
Collision coverage pays for damage to your own vehicle regardless of fault.
MD DMV Insurance and Financial Responsibility 2
What is the minimum bodily injury liability coverage per person required for Maryland drivers?