Are you looking for car insurance coverage? At Roadway Auto Insurance, we’re here to help Maryland drivers get coverage, even if they aren’t able to get coverage through other companies. Some types of auto insurance coverage are mandatory, and others are optional. Here we will review the most common types of car insurance in Maryland, so you can learn more about your insurance options.
Types of Car Insurance in Maryland
It’s important to get car insurance for your safety and the safety of others. There are three common types of auto insurance coverage:
Liability Coverage
Auto liability insurance coverage financially protects damage to people and property in the event of an accident. Body liability coverage pays for the costs of another person’s injuries if you are at fault for an accident. Property damage liability coverage covers the damage of another person’s property when driving. Liability coverage is also a legal requirement for Maryland drivers and most other U.S. states. Typically, liability coverage is required as a minimum.
Collision Coverage
This type of coverage can be added to your auto insurance. Collision insurance covers losses caused by collision and a single-car auto accident. This insurance also covers the cost (after deductible) with another car and a collision with an object. However, collision insurance does not cover accidents between cars. A vehicle’s leaseholder or lender can also require collision coverage.
Uninsured or Underinsured Motorist Coverage
If you are in an accident with an uninsured driver, this type of coverage can help pay for repairs or medical bills. When an underinsured or uninsured driver hits your vehicle, they may not be able to cover all of your bills. This insurance ensures that you get coverage if this situation occurs.
Comprehensive Coverage
This extra level of coverage can help pay for damage to your car from incidents other than collisions. Comprehensive coverage covers damage from theft, vandalism, weather (like hail), fire, animals, and more. Although this coverage is usually optional, lenders or leasing agents may also require this coverage if you have a loan on your vehicle.
Do you need car insurance? Are you interested in learning more about the type of coverage you can buy for your vehicle? Call Roadway Auto Insurance for coverage today at [new_patient_phone_span]. You can also get a free car insurance quote on our website. If you have any questions about your coverage, let us know, and we will gladly assist you.