Which statement about auto medical benefits in Maryland is true?

Which statement about auto medical benefits in Maryland is true?

• A. They are optional if waived by the insured
• B. They must be provided unless waived by the first named insured
• C. They apply only to the named insured
• D. They cover only medical expenses up to a policy limit

Answer: (B)

In Maryland, auto medical benefits are designed to cover medical expenses after an accident without waiting for fault to be determined. This coverage must be included in the policy unless the first named insured signs a written waiver to decline it. That means the protection is automatic for the insured and any passengers in the insured vehicle, up to the policy’s limits, and only the first named insured has the authority to waive it. The option stating it must be provided unless waived by the first named insured captures this rule precisely. The other statements miss key points: waivers aren’t decided by every insured person, the coverage isn’t limited only to the named insured, and while it does pay up to limits, the essential idea is the mandatory provision unless a written waiver by the first named insured exists.

In Maryland, auto medical benefits are designed to cover medical expenses after an accident without waiting for fault to be determined. This coverage must be included in the policy unless the first named insured signs a written waiver to decline it. That means the protection is automatic for the insured and any passengers in the insured vehicle, up to the policy’s limits, and only the first named insured has the authority to waive it. The option stating it must be provided unless waived by the first named insured captures this rule precisely. The other statements miss key points: waivers aren’t decided by every insured person, the coverage isn’t limited only to the named insured, and while it does pay up to limits, the essential idea is the mandatory provision unless a written waiver by the first named insured exists.