What Are the Car Insurance Requirements in Maryland? All drivers in Maryland must have car insurance.PIP claims must be filed within one year of the incident. If you do not file a claim within one year, you may be denied coverage. PIP is typically very simple—the application must be filled out and submitted, and copies of related medical bills (and sometimes records) must be provided. Personal injury protection is considered "no-fault" coverage, meaning that it may cover some medical bills regardless of who was at fault in the accident. Liability (Bodily Injury). However, Maryland's no-fault system does not apply to damage to your vehicle.