Car Insurance Annapolis, MD
If you’re one of the more than 4 million licensed drivers in Maryland, you know the daily hazards you face driving in a relatively small geographic area with many roads and vehicles. If you have an accident or sustain vehicle damage, you need car insurance that protects you. However, knowing if you have the required protection from your automobile insurance can be challenging to understand. Our Deale & Associates insurance agents can discuss your coverage options with you to ensure you are appropriately protected.
What Auto Insurance Should I Have?
Auto insurance is designed to protect you against property, liability and medical costs if you have an accident or sustain other damage to your vehicle.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays to treat injuries, rehabilitation and sometimes lost wages and funeral expenses.
You can select six types of coverage for your auto insurance policy, which are summarized below. Our agents can help you make your selection, following the requirements of Maryland.
Comprehensive and Collision Coverage
Collision: Covers damage to your car when your car hits, or is hit by, another vehicle or other object.
Comprehensive: Covers your vehicle, and sometimes other vehicles you may be driving, for losses resulting from incidents other than collision.
Types of Liability Coverage
Bodily injury liability: This covers injuries that you, the designated driver or policyholder, cause to someone else. It doesn’t cover the cost of damage to your vehicle, or to you or other people on your policy.
Medical payments or personal injury protection: This no-fault coverage provides medical expenses to you and your passengers injured in an accident.
Property damage liability: Covers you or someone driving your car with permission if the car damages someone’s property. It also helps you with legal defense if a lawsuit is filed against you.
Uninsured and underinsured motorist coverage: This coverage reimburses you if you are hit by an uninsured or hit-and-run driver, or when an at-fault driver has insufficient insurance to pay for your total loss.
What Auto Insurance Does Annapolis, Maryland Require?
Maryland has mandatory vehicle insurance, which means that all Maryland vehicles must be insured at all times by an insurer in Maryland, such as Deale & Associates Insurance Agency. At a minimum, your vehicle coverage must include:
$30,000 for bodily injury
$60,000 for two or more people
If you moved to Maryland and are continuing vehicle insurance coverage from your previous state of residence, you must contact your insurer to convert your policy to a Maryland policy.
What Will My Auto Insurance Cost?
Auto insurance premiums are determined by your vehicle and driving habits, where you live and the coverages, limits and deductibles you choose.
How We Can Help
Deale & Associates Insurance Agency has been proudly serving Annapolis and surrounding communities since 1986. Call us at 410-267-5601 to discuss your auto insurance needs.