In order to understand the importance of Uninsured Motorist coverage it is essential to understand exactly what it is, what it does, and how it works. To do that it is important to consider it in the context of motor vehicle insurance generally. In Maryland motor vehicle insuranceis compulsory; however, the required limits are rather low: $30,000 per individual per accident to a maximum of $60,000 aggregate per accident is all that is required.