— Unreported Opinion —
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(2) Benefits payable under paragraph (1) of this subsection shall be reduced
to the extent of any medical or disability benefits coverage that is:
(i) applicable to the motor vehicle for which the coverages described in §§
19-505 and 19-509 of this subtitle are not in effect; and
(ii) collectible from the insurer of that motor vehicle.
(e) Benefits payable under the coverages described in §§ 19-505 and 19-509
of this subtitle shall be reduced to the extent that the recipient has recovered
benefits under the workers' compensation laws of a state or the federal
government for which the provider of the workers’ compensation benefits
has not been reimbursed
In its brief, GEICO asserts:
Admittedly, unlike PIP, Insurance Art., §19-513 does not explicitly mandate
that the insurer providing UM/ UIM benefits to the motor vehicle in which a
passenger is occupying while injured provide primary coverage. Instead, it
does so implicitly under Insurance Art., § 19-513(d). Insurance Art., § 19-
513(d) prescribes those limited instances where the insurer of the injured
person, as opposed to the insurer of the motor vehicle he or she was
occupying, must provide primary UM/UIM coverage. Under the plain and
unambiguous language of Insurance Art., § 19-513(d), Ms. Wright’s GEICO
Policy would only be obligated to provide primary coverage for UM/UIM
benefits in instances where Ms. Wright was injured while occupying a motor
vehicle that did not maintain UM/UIM benefits, or when injured as a
pedestrian by a motor vehicle that did not maintain UM/UIM benefits.
Neither of those situations apply in the present matter.
Subsection (d) does not mention underinsured motorist coverage (§ 19-509.1) at all.
However, the term “‘uninsured’ in § 19-509 includes ‘underinsured.’” GEICO v. Comer,
419 Md. 89, 91n.1 (2011); Waters v. U.S. Fid. & Guar. Co., 328 Md. 700, 712 (1992)
(Underinsured motorist coverage was authorized by Chapter 510 of the Acts of 1981, and
“the 1981 amendments make uninsured motorist coverage operate as underinsured motorist
coverage.” (footnote omitted). Thus, GEICO’s point is well taken. Subsection (d)