LICENSES 2355

1931, ch. 498, sec. 187M.

177. "Motor vehicle liability policy," as used in this sub-title, shall
be taken to mean a policy of liability insurance issued by an insurance
carrier authorized to transact business in this State or issued by an insur-
ance carrier authorized to transact business in the State or Province in
which the motor vehicle or motor vehicles therein described is registered, or
if none be described, then in the State in which the insured resides to the
person therein named as insured, which policy shall either (1) designate,
by explicit description or other adequate reference, all motor vehicles with
respect to which coverage is intended to be granted by said policy, and
shall insure the insured named therein, and any other person using or
responsible for the use of any such motor vehicle with the consent express
or implied, of such insured, against loss from the liability imposed by law
upon such insured or upon such other person for injury to or death of any
person, other than such insured and such person or persons as may be
covered, as respects such injury or death by any workmen's compensation
law, and/or for damages to property, except property of others in charge
of the insured or of his employees or other agents growing out Of the
ownership, maintenance, use or operation of any such motor vehicle within
the continental limits of the United States of America or the Dominion
of Canada; or which policy shall, in the alternative, (2) insure the person
therein named as insured against loss from the liability imposed by law
upon such insured for injury to or death of any person, other than such
insured and such person or persons as may be covered as respects such
injury or death by any workmen's compensation law, and/or for damage
to property, except property of others in charge of the insured or of his
employees or other agents growing out of the maintenance, operation or
use by such insured of any motor vehicle, except a motor vehicle registered
in the name of such insured and occurring while such insured is person-
ally in control, as driver or occupant, of such motor vehicle within the
continental limits of the United States of America or the Dominion of
Canada, in either case to the amount or limit of $5,000.00, exclusive of
interest and costs, on account of injury to or death of any one person, and
subject to the same limit as respects injury to or death of any one person,
of $10,000.00, exclusive of interest and costs, on account of any one
accident resulting in injury to or death of more than one person; and of
$1,000.00 for damage to property of others, as herein provided, resulting
from any one accident; or a binder pending the issuance of any such
policy; or an endorsement to an existing policy both as hereinafter pro-
vided; provided, however, that this section shall not be construed as pre-
venting an insurance carrier from granting in a "motor vehicle liability
policy" any lawful coverage in excess of or in addition to the coverage
herein provided for or from embodying in such policy any agreements,
provisions or stipulations not contrary to the provisions of this sub-title
and not otherwise contrary to law. And provided further that separate
concurrent policies, whether issued by one or several carriers covering,
respectively, (a) personal injury or death, as aforesaid, and (b) property
damage, as aforesaid, shall be termed "A motor vehicle liability policy,"
within the meaning of this sub-title.

Except as herein provided in Section 175 of this Article, no policy
of insurance insuring against liability for personal injury and death, or
property damage, or both, resulting from the ownership, maintenance, use