In Maryland, the car insurance system operates under a fault-based model, meaning the person responsible for the accident is liable for damages. While Maryland requires drivers to have Personal Injury Protection (PIP) coverage, which can pay for some immediate medical expenses, the state is not a no-fault state. If you are injured in a car accident, you have the right to seek compensation from the at-fault driver’s insurance or even file a lawsuit if necessary. It’s important to understand the nuances of Maryland’s laws to ensure you take the right steps after an accident.