Ch. 348                                    1996 LAWS OF MARYLAND

(b) "Motor vehicle" means automobile and any other vehicle, including a trailer,
operated or designed for operation upon a public road by any power other than animal or
muscular power but docs not include a vehicle as defined in §§ 11-105 and 11-165 of the
Transportation Article of the Annotated Code of Maryland.

(c) "Named insured" means the person denominated in the declarations in a
policy of motor vehicle liability insurance.

(d) "Income" means wages, salary, tips, commissions, professional fees, and other
earnings from work or employment, including earnings from businesses or farms owned
individually or jointly or in partnership with others. To the extent that any such earnings
arc paid or payable in property or services other than cash, "income" means the
reasonable value of such property or services.

(e) "Income producer" means a person who at the time of an accident was in an
occupational status where ho was earning or producing income.

(F) "SOFT TISSUE INJURY" MEANS AN INJURY, SUCH AS A SPRAIN OR STRAIN,
TO TISSUE, OTHER THAN BONE OR CARTILAGE, WHICH IS PART OF THE SUPPORTING
STRUCTURES OF THE MUSCULOSKELETAL SYSTEM.

539.

(a) [Unless waived by the first named insured under subsection (f) of this section,
every] EVERY insurer proposing to issue, sell, or deliver any motor vehicle insurance
policy in this State shall [provide] OFFER coverage for the medical, hospital, and
disability benefits set forth in this section.

(b) The medical, hospital, and disability benefits shall cover:

(1) Except for persons specifically excluded under § 240C-1 of this article:

(i) The first named insured and members of the first named insured's
family residing in the first named insured's household who arc injured in any motor
vehicle accident, including:

1. An accident involving an uninsured motor vehicle; or

2. A motor vehicle the identity of which cannot be ascertained;

and

(ii) Other persons injured while using the insured motor vehicle with
the express or implied permission of the named insured;

(2) Other persons injured while occupying the insured motor vehicle as a
guest or a passenger;

(3) Pedestrians injured in an accident in which the insured motor vehicle is
involved; and

(4) Individuals injured in, on, or alighting from any other vehicle operated
by animal or muscular power in an accident in which the insured vehicle is involved.

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