When you have an accident out of state your Personal Injury Protection (PIP) benefits should still be in effect and valid for you to use. Most auto insurance policies provide coverage in other states, U.S. territories and possessions, and Canada. If the financial responsibility requirements where you are traveling are higher than your policy limits, your company will meet the higher requirements.

So contact your District of Columbia (DC) insurance company to see about placing a claim for your injuries you sustained in your Maryland accident and make sure that your PIP coverage extended to your travels into Maryland.

So that you have an idea of the different minimum insurance limits for DC and Maryland they are listed below.

District of Columbia state law requires minimum Bodily Injury Liability coverage of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 25/50/10 coverage.

In Maryland the minimum amount of liability coverage required by State law is: $20,000 for bodily injury per person; $40,000 bodily injury per accident; and $15,000 property damage. Uninsured/underinsured coverage of: $20,000 for bodily injury per person; $40,000 bodily injury per accident; and $15,000 property damage. Also Maryland law requires consumers to purchase $2,500 in Personal Injury Protection (PIP) for each person named in the policy. However, PIP coverage may be waived.