Maryland requires all of its drivers to carry liability, uninsured motorist (UM) and personal injury protection (PIP) coverage. It is estimated that as of 2007, as many as 12% of Maryland drivers were still uninsured. Drivers who are unable to obtain coverage on the private market may do so through the Maryland Automobile Insurance Fund, an independent agency of the state that was founded in 1972. For more information on auto insurance requirements in Maryland, contact the Maryland Insurance Administration (http://www.mdinsurance.state.md.us).

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