PIP coverage in Maryland includes protection for injuries to which group?

PIP coverage in Maryland includes protection for injuries to which group?

• A. Named insured only
• B. Named insured and resident relatives
• C. Named insured, resident relatives, and pedestrians struck by the insured vehicle
• D. Anyone in the vehicle at the time of injury

Answer: (C)

Maryland's Personal Injury Protection (PIP) is no-fault medical coverage that pays certain medical expenses and related losses for people linked to the insured vehicle, regardless of fault. The groups covered are the named insured, people who live in the same household (resident relatives), and pedestrians who are struck by the insured vehicle. This setup ensures that those most likely to be injured in incidents involving the insured vehicle—the policyholder and their household members, as well as pedestrians hit by the vehicle—receive medical cost protection promptly. Other potential injuries, such as non-relatives riding in the car, aren’t automatically covered by PIP in Maryland and would depend on other coverages or policy terms.

Maryland's Personal Injury Protection (PIP) is no-fault medical coverage that pays certain medical expenses and related losses for people linked to the insured vehicle, regardless of fault. The groups covered are the named insured, people who live in the same household (resident relatives), and pedestrians who are struck by the insured vehicle. This setup ensures that those most likely to be injured in incidents involving the insured vehicle—the policyholder and their household members, as well as pedestrians hit by the vehicle—receive medical cost protection promptly. Other potential injuries, such as non-relatives riding in the car, aren’t automatically covered by PIP in Maryland and would depend on other coverages or policy terms.