Resources for Uninsured Marylanders

Vehicle owners must carry at least the minimum required limits of coverage in order to drive in Maryland, legally. Because your policy was canceled, you are subject to uninsured driver penalties, which are assessed at a rate of $200 for the first 30 days then $7 per day afterward. These penalties can add up to $3,500 per year, per vehicle!

While these penalties are outstanding, you will have a flag against your registration with the Maryland Department of Transportation Motor Vehicle Administration (MDOT MVA).

In order to reinstate your registration, you will need to resolve these penalties and obtain insurance.

In addition to these penalties, if you have an accident while driving without insurance, you may be personally responsible for any damages.

If you are due to receive a refund from your Maryland tax return, all or part of your refund may also be intercepted as part of the state’s Tax Refund Intercept Program (TRIP).

You have a few options for getting insured and avoiding additional uninsured motorist penalties, but before you can get insurance, you will have to resolve your current uninsured auto fines with the MDOT MVA.

The Insurance Compliance Division of MDOT MVA also offers payment plans for resolving your accumulated fines.

If you feel this registration suspension is an error, you can obtain a Certificate of Insurance (FR-19) from your insurance agent and submit to MDOT MVA as proof of continuous coverage.

The Uninsured Division of Maryland Auto was created by the State to protect innocent Maryland residents who were injured due to an automobile accident and who do not have collectible insurance. A person can file a claim to receive compensation for bodily injury or property damage from the Uninsured Division if he/she has been injured by a negligent uninsured owner or operator in an accident. There are several eligibility requirements. MDOT MVA fines fund the Uninsured Division.

In addition, the Uninsured Division of Maryland Auto is tasked with educating Maryland residents of the state’s insurance requirements in an effort to reduce the number of uninsured drivers on Maryland roads.