Montgomery County Taxi Accidents

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Taxi cabs in Maryland generally keep the minimum allowed insurance.  It is just awful.  Cabs obviously are on the road a lot more often than most of us are driving yet they are also the ones with the lease amount of coverage.  I can't figure how this could possibly make any sense.

Thankfully, at least for Montgomery County accident victims, Section 53-225(a) of the Montgomery County Code requires that taxicabs licensed in the county have insurance "in amounts required by applicable regulations" which is $100,000 per person and $300,000 per accident (and a property damage liability coverage limit of $35,000), but you should check and see whether those figures are still current.

So if you are injured by a taxi cab in Montgomery County, you at least have that coverage available. 

One thing to know is that a taxicab is not even a "motor vehicle" under Maryland law. Goofy, I know, but it is our law. So you are not going to get an uninsured motorist (or PIP) in a taxi.

Keep in mind the answer to most "is there enough coverage" problems yourself is to make sure you have a high uninsured/underinsured motorist policy and one that covers you were you are in a taxi.

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