In Maryland, all vehicle insurance policies must provide coverage for medical, hospital and disability benefits unless waived by whom?

• A. Waived by the first named insured
• B. Waived by the insurer
• C. Waived by the insured's spouse
• D. Waived by the policyholder's agent

Answer: (A)

In Maryland, auto policies are required to include Personal Injury Protection (PIP), which covers medical, hospital, and disability expenses. This coverage can be waived, but only by the first named insured on the policy, and the waiver must be in writing on a form prescribed by the state. The reason the first named insured is the one who can waive is that they are the contract party who controls coverage changes; the insurer, a spouse, or the policyholder’s agent cannot unilaterally make that election.