1. In Maryland, if a driver is partly responsible for a collision, that driver's ability to recover property damage from the other driver is generally:

Barred entirely under contributory negligence

Maryland's strict contributory negligence rule generally bars recovery for a claimant who shares any fault, even for property damage, a critical distinction from comparative negligence states.

2. Underinsured motorist coverage applies when the at-fault driver:

Has some liability insurance, but not enough to cover the loss

UIM coverage responds when the at-fault driver has liability limits that are insufficient to fully compensate the insured's injuries.

3. Personal injury protection (PIP) on a Maryland auto policy generally pays:

Medical expenses and a portion of lost wages regardless of fault

PIP pays medical expenses and a portion of lost income for the insured and occupants regardless of who was at fault.

4. A combined single limit (CSL) on an auto policy provides:

One total limit for both bodily injury and property damage per accident

A combined single limit provides a single maximum that applies to both bodily injury and property damage arising from one accident.