Maryland Code
Md. Code Ann., Ins. § 19-505 (2026)
§ 19-505
✓ current as of May 2026
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§19–505.
(a) Unless waived in accordance with § 19–506 of this subtitle or rejected in accordance with § 19–506.1 of this subtitle, each insurer that issues, sells, or delivers a motor vehicle liability insurance policy in the State shall provide coverage for the medical, hospital, and disability benefits described in this section for each of the following individuals:
(1) except for individuals specifically excluded under § 27–609 of this article:
(i) the first named insured, and any family member of the first named insured who resides in the first named insured’s household, who is injured in any motor vehicle accident, including an accident that involves an uninsured motor vehicle or a motor vehicle the identity of which cannot be ascertained; and
(ii) any other individual who is injured in a motor vehicle accident while using the insured motor vehicle with the express or implied permission of the named insured;
(2) an individual who is injured in a motor vehicle accident while occupying the insured motor vehicle as a guest or passenger; and
(3) an individual who is injured in a motor vehicle accident that involves the insured motor vehicle:
(i) as a pedestrian; or
(ii) while in, on, or alighting from a vehicle that is operated by animal or muscular power.
(b) (1) In this subsection, “income” means:
(i) wages, salaries, tips, commissions, professional fees, and other earnings from work or employment;
(ii) earnings from a business or farm owned individually, jointly, or in partnership; and
(iii) to the extent earnings are paid or payable in property or services instead of in cash, the reasonable value of the property or services.
(2) The minimum medical, hospital, and disability benefits provided by an insurer under this section shall include up to $2,500 for:
(i) payment of all reasonable and necessary expenses that arise from a motor vehicle accident and that are incurred within 3 years after the accident for necessary prosthetic devices and ambulance, dental, funeral, hospital, medical, professional nursing, surgical, and X–ray services;
(ii) payment of benefits for 85% of income lost:
1. within 3 years after, and resulting from, a motor vehicle accident; and
2. by an injured individual who was earning or producing income when the accident occurred; and
(iii) payments made in reimbursement of reasonable and necessary expenses incurred within 3 years after a motor vehicle accident for essential services ordinarily performed for the care and maintenance of the family or family household by an individual who was injured in the accident and not earning or producing income when the accident occurred.
(3) As a condition of providing loss of income benefits under this subsection, an insurer may require the injured individual to furnish the insurer with reasonable medical proof of the injury causing loss of income.
(c) (1) An insurer may exclude from the coverage described in this section benefits for:
(i) an individual, otherwise insured under the policy, who:
1. intentionally causes the motor vehicle accident resulting in the injury for which benefits are claimed;
2. is a nonresident of the State and is injured as a pedestrian in a motor vehicle accident that occurs outside of the State;
3. is injured in a motor vehicle accident while operating or voluntarily riding in a motor vehicle that the individual knows is stolen; or
4. is injured in a motor vehicle accident while committing a felony or while violating § 21–904 of the Transportation Article; or
(ii) the named insured or a family member of the named insured who resides in the named insured’s household for an injury that occurs while the named insured or family member is occupying an uninsured motor vehicle owned by:
1. the named insured; or
2. an immediate family member of the named insured who resides in the named insured’s household.
(2) In the case of motorcycles, mopeds, or motor scooters, an insurer may:
(i) exclude the economic loss benefits described in this section; or
(ii) offer the economic loss benefits with deductibles, options, or specific exclusions.
(a) Unless waived in accordance with § 19–506 of this subtitle or rejected in accordance with § 19–506.1 of this subtitle, each insurer that issues, sells, or delivers a motor vehicle liability insurance policy in the State shall provide coverage for the medical, hospital, and disability benefits described in this section for each of the following individuals:
(1) except for individuals specifically excluded under § 27–609 of this article:
(i) the first named insured, and any family member of the first named insured who resides in the first named insured’s household, who is injured in any motor vehicle accident, including an accident that involves an uninsured motor vehicle or a motor vehicle the identity of which cannot be ascertained; and
(ii) any other individual who is injured in a motor vehicle accident while using the insured motor vehicle with the express or implied permission of the named insured;
(2) an individual who is injured in a motor vehicle accident while occupying the insured motor vehicle as a guest or passenger; and
(3) an individual who is injured in a motor vehicle accident that involves the insured motor vehicle:
(i) as a pedestrian; or
(ii) while in, on, or alighting from a vehicle that is operated by animal or muscular power.
(b) (1) In this subsection, “income” means:
(i) wages, salaries, tips, commissions, professional fees, and other earnings from work or employment;
(ii) earnings from a business or farm owned individually, jointly, or in partnership; and
(iii) to the extent earnings are paid or payable in property or services instead of in cash, the reasonable value of the property or services.
(2) The minimum medical, hospital, and disability benefits provided by an insurer under this section shall include up to $2,500 for:
(i) payment of all reasonable and necessary expenses that arise from a motor vehicle accident and that are incurred within 3 years after the accident for necessary prosthetic devices and ambulance, dental, funeral, hospital, medical, professional nursing, surgical, and X–ray services;
(ii) payment of benefits for 85% of income lost:
1. within 3 years after, and resulting from, a motor vehicle accident; and
2. by an injured individual who was earning or producing income when the accident occurred; and
(iii) payments made in reimbursement of reasonable and necessary expenses incurred within 3 years after a motor vehicle accident for essential services ordinarily performed for the care and maintenance of the family or family household by an individual who was injured in the accident and not earning or producing income when the accident occurred.
(3) As a condition of providing loss of income benefits under this subsection, an insurer may require the injured individual to furnish the insurer with reasonable medical proof of the injury causing loss of income.
(c) (1) An insurer may exclude from the coverage described in this section benefits for:
(i) an individual, otherwise insured under the policy, who:
1. intentionally causes the motor vehicle accident resulting in the injury for which benefits are claimed;
2. is a nonresident of the State and is injured as a pedestrian in a motor vehicle accident that occurs outside of the State;
3. is injured in a motor vehicle accident while operating or voluntarily riding in a motor vehicle that the individual knows is stolen; or
4. is injured in a motor vehicle accident while committing a felony or while violating § 21–904 of the Transportation Article; or
(ii) the named insured or a family member of the named insured who resides in the named insured’s household for an injury that occurs while the named insured or family member is occupying an uninsured motor vehicle owned by:
1. the named insured; or
2. an immediate family member of the named insured who resides in the named insured’s household.
(2) In the case of motorcycles, mopeds, or motor scooters, an insurer may:
(i) exclude the economic loss benefits described in this section; or
(ii) offer the economic loss benefits with deductibles, options, or specific exclusions.
Notes of Decisions
Cited in 26
cases (1 in the last 5 years), 1999–2022 · leading case: Stearman v. State Farm Mut. Auto. Ins., 849 A.2d 539 (Md. 2004).
Stearman v. State Farm Mut. Auto. Ins., 849 A.2d 539 (Md. 2004). “The payment of claims for bodily injury or death arising from an accident of up to $20,000 for any one person and up to $40,000 for any two or more persons, in addition to interest and costs; "(2) The payment of claims for property of others damaged or destroyed in an accident…”
Nesbit v. Gov't Employees Ins., 854 A.2d 879 (Md. 2004). “), § 19-505(a) of the Insurance Article. Section 19-506(a)(l) states that “[i]f the first named insured does not wish to obtain the benefits described in § 19-505 of this subtitle, the first named insured shall make an affirmative written waiver of those benefits.”
Creveling v. Gov't Employees Ins., 828 A.2d 229 (Md. 2003). “) § 19-505 of the Insurance Article, insurers must pay PIP benefits to an insured regardless of the fact that a collateral source such as an HMO incurred the expense.”
Nasseri v. Geico Gen. Ins., 888 A.2d 284 (Md. 2005). “First, GEICO stated that, under § 19 — 501(b)(2)(ii) of the Insurance Article, taxicabs are specifically exempt from the definition of “motor vehicle,” and that, therefore, Nasseri was not injured in a “motor vehicle accident” within the meaning of the PIP statute, § 19-505 of…”
Jones v. Shelter Mut. Ins. Companies, 738 N.W.2d 840 (Neb. 2007). “2006) (uninsured motorist coverage for permissive users); Md.Code Ann. Ins. § 19-505 (LexisNexis Supp.”
Worsham v. Greenfield, 78 A.3d 358 (Md. 2013). “) § 19-505 of the Insurance Article 5 was at issue.”
Salamon v. Progressive Classic Ins., 841 A.2d 858 (Md. 2004). “yment of claims for bodily injury or death arising from an accident of up to $ 20,000 for any one person and up *311 to $ 40,000 for any two or more persons, in addition to interest and costs; (2) The payment of claims for property of others damaged or destroyed in an accident…”
Stickley v. State Farm Fire & Cas. Co., 65 A.3d 141 (Md. 2013). “), § 19-505 of the Insurance Article. As such, examining the language of the statute in context supports the proposition that a policy of “private passenger motor vehicle liability insurance” refers to a primary motor vehicle liability insurance policy, and does not extend to…”
Mamsi Life & Health Ins. v. Kuei-I Wu, 983 A.2d 88 (Md. 2009). “Section 19-507(a) clearly provides when an auto insurer must pay the PIP benefits enumerated in § 19-505 of the Insurance Article. Section 19-507(b)(l) provides for the coordination of the required PIP benefits and collateral sources of benefits among “the insured,” “insurers,”…”
Wilson v. Nationwide Mut. Ins. Co., 910 A.2d 1122 (Md. 2006). “) The payment of claims for bodily injury or death arising from an accident of up to $20,000 for any one person and up to $40,000 for any two or more persons, in addition to interest and costs; (2) The payment of claims for property of others damaged or destroyed in an accident…”
Ostrof v. State Farm Mut. Auto. Ins., 200 F.R.D. 521 (D. Md. 2001). “Section § 19-505 of the Insurance Article of the Maryland Code requires that any motor vehicle liability insurance policy issued, sold or delivered in Maryland must contain, unless waived, coverage for medical, hospital and disability benefits, including lost income.”
State of Maryland Cent. Collection Unit v. Jordan, 952 A.2d 266 (Md. 2008). “) The payment of claims for bodily injury or death arising from an accident of up to $20,000 for any one person and up to $40,000 for any two or more persons, in addition to interest and costs; (2) The payment of claims for property of others damaged or destroyed in an accident…”
Md. Code Ann., Ins. § 19-505(a): 2 cases
Nesbit v. Gov't Employees Ins., 854 A.2d 879 (Md. 2004). “), § 19-505(a) of the Insurance Article. Section 19-506(a)(l) states that “[i]f the first named insured does not wish to obtain the benefits described in § 19-505 of this subtitle, the first named insured shall make an affirmative written waiver of those benefits.”
Stearman v. State Farm Mut. Auto. Ins., 849 A.2d 539 (Md. 2004). “The payment of claims for bodily injury or death arising from an accident of up to $20,000 for any one person and up to $40,000 for any two or more persons, in addition to interest and costs; "(2) The payment of claims for property of others damaged or destroyed in an accident…”
Md. Code Ann., Ins. § 19-505(a)(1): 1 case
Mamsi Life & Health Ins. v. Kuei-I Wu, 983 A.2d 88 (Md. 2009). “Section 19-507(a) clearly provides when an auto insurer must pay the PIP benefits enumerated in § 19-505 of the Insurance Article. Section 19-507(b)(l) provides for the coordination of the required PIP benefits and collateral sources of benefits among “the insured,” “insurers,”…”
Md. Code Ann., Ins. § 19-505(a)(l)(i): 1 case
Mundey v. Erie Ins. Grp., 914 A.2d 1167 (Md. 2007).
Md. Code Ann., Ins. § 19-505(b)(2): 1 case
Bulmash v. Travelers Indem. Co., 257 F.R.D. 84 (D. Md. 2009).
Md. Code Ann., Ins. § 19-505(c): 1 case
Nasseri v. Geico Gen. Ins., 888 A.2d 284 (Md. 2005). “First, GEICO stated that, under § 19 — 501(b)(2)(ii) of the Insurance Article, taxicabs are specifically exempt from the definition of “motor vehicle,” and that, therefore, Nasseri was not injured in a “motor vehicle accident” within the meaning of the PIP statute, § 19-505 of…”
Md. Code Ann., Ins. § 19-505(c)(1)(ii): 1 case
Nasseri v. Geico Gen. Ins., 888 A.2d 284 (Md. 2005). “First, GEICO stated that, under § 19 — 501(b)(2)(ii) of the Insurance Article, taxicabs are specifically exempt from the definition of “motor vehicle,” and that, therefore, Nasseri was not injured in a “motor vehicle accident” within the meaning of the PIP statute, § 19-505 of…”
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