Basic auto insurance is legally required for Silver Spring, MD, drivers. Knowing the different types of auto insurance available can help you throughout the decision-making process if you own a vehicle and want to readjust your insurance rates or if you’re purchasing your first car.

Liability Auto Insurance

By law, liability coverage is required for any drivers in or near Silver Spring, MD. A minimum of $30,000 per individual and up to $60,000 of coverage per accident is required, in addition to $15,000 of coverage for potential property damage. Liability insurance will protect you from being personally held financially or legally liable after being involved in an auto accident.

Comprehensive Policies

Comprehensive auto insurance policies can protect against additional damage to your vehicle from theft, natural disasters, and even traditional acts of vandalism.

Collision Insurance

Collision insurance is optimal for those who have newer vehicles to protect against significant damage during an auto accident. Collision insurance can cover the cost of any necessary repairs, replacement jobs, or cosmetic updates.

PIP (Personal Injury Protection)

The State of Maryland requires drivers to hold a PIP policy with a minimum of $2,500 in coverage to cover potential lost wages and medical costs associated with vehicle accidents.

Selecting an auto insurance policy and premium that’s ideal for your household and coverage needs is crucial for the best outcome and most protection possible. If you’re living around Silver Spring, MD, and you’re interested in comparing your options when it comes to auto insurance policies today, working with Renee Oliver Insurance Agency Inc. is one way to ensure you’re starting off on the right track. To learn more about the types of auto insurance policies available in Silver Spring, MD today, contact Renee Oliver Insurance Agency Inc. to speak with one of our highly qualified agents.

To enjoy all that the Silver Spring, MD area has to offer, you will need to own your own vehicle. If you are looking to purchase a car here, you also need to select the right insurance policy. There are various forms of support that will come with an auto insurance policy in Maryland. 

Coverage to Protect Your Vehicle

A form of coverage that you will receive with an auto insurance plan in this area of Maryland is support to protect your car. If you are going to drive a car here there will be a risk that it is stolen or damaged in an accident. To ensure that you are able to repair or replace it, you should get an auto insurance plan that has comprehensive coverage. 

Liability Risk Mitigation

You also will want to get a full auto insurance plan here to ensure you are able to reduce being named liable for an accident. No matter how careful you are, there is an ongoing chance that you could be at fault in an accident when driving. If this occurs, you will need to cover any damages that the other party incurred. If you continue to carry an auto insurance plan with liability insurance, you will have this support. Additionally, this type of coverage is required to drive a car legally in Maryland. 

Investing in Auto Insurance

If you want to invest in a car in the Silver Spring, MD area, it will be a good idea that you get an auto insurance plan as well. There are many decisions to make when looking for a plan in this part of Maryland and you can call Renee Oliver Insurance Agency Inc. to learn more. The professionals with Renee Oliver Insurance Agency Inc. know the value of this coverage and will help you build your next plan. 

Do you have a car loan in Silver Spring, MD? If so, you need full coverage auto insurance.

Here are three big reasons:

1) Reduce Risk for Your Lender

If you have a loan on your car, the lender is the vehicle’s legal owner until you pay the balance in full. That means if your car is totaled or stolen, the lender is out of the money they lent you—and they will want that money back. Full coverage auto insurance protects your lender’s investment and you from paying the entire loan amount if something happens to your vehicle.

2) Get Back on the Road Faster in an Accident

If you’re in an accident and they deem your car a total loss, the insurance company will pay off your loan, and you can get a new loan if you still qualify. Without full coverage, you would have to come up with the money to pay off your loan yourself. That could take months or even years, depending on how much you owe.

A Renee Oliver Insurance Agency Inc. agent can help you find the right policy to get back on the road as soon as possible after an accident in Silver Spring, MD.

3) Stress Less When You’re On the Road

The peace of mind that comes with knowing you’re fully protected is priceless, no matter what happens. When you have full coverage, you can relax and enjoy the ride—without worrying about what could happen.

Full coverage auto insurance is a must if you have a car loan in Silver Spring, MD. It protects your lender and gives you the peace of mind to enjoy your car. Contact Renee Oliver Insurance Agency Inc. today to get started on your policy.

When you have been involved in an accident in Silver Spring, MD, one of the most crucial steps you should take is to take as many photographs of the scene as possible. These photos will eventually serve as important evidence when you file an auto insurance claim with us at Renee Oliver Insurance Agency Inc. Here are a few tips to help you take solid pictures for insurance purposes.

Make Sure You Capture All the Damage

When taking photos after an accident, it is imperative that you get a picture of all of the damage. This includes deployed airbags, broken windows, dented fenders, etc. You want pictures of all the damage on the inside and outside of the vehicle. Don’t forget to get pictures of the road debris as well. Your injuries count too! Ultimately, these photos will help ensure your claim is calculated correctly.

Take Photos from Various Angles

To ensure you are thorough, you will want to ensure that the photos you take are taken from a variety of different angles. This will make it harder for someone else to argue against your photographic testimony. In addition, you will want to ensure that you have close-up images that fully capture how severe the damage is.

Utilize Different Settings

When using your phone or camera to take photos, make sure to take pictures with and without the flash. It isn’t uncommon for a photo to have a glare or shadows, but if you take multiple shots in different lighting forms, you may find that one has a clearer view. This is particularly important if the accident itself occurred at dusk.

Need to File an Auto Insurance Claim in Silver Spring, MD?

Whether you need to ensure you’re properly covered in the event of an accident, need to file an auto insurance claim, or need more tips for taking appropriate photographs for your insurance claim, contact the professionals at Renee Oliver Insurance Agency Inc.

If you own a car in Silver Spring, MD, it’s paramount to acquire proper car insurance from Renee Oliver Insurance Agency Inc. to safeguard you and your automobile. Furthermore, purchasing an auto insurance policy from a licensed insurance company is a prerequisite for your car’s registration and obtaining license plates in Maryland.

Besides compliance, auto insurance protects you and your car in the following areas.

Asset protection

It has taken you years of savings to purchase your vehicle. To that end, you need proper insurance to protect your investment. The collision coverage covers damages and replacement of your vehicle in the event of an accident. The comprehensive coverage is a non-collision coverage that protects your vehicle against calamities, such as falling objects, fire, theft, vandalism, and hailstorm.

Medical payments protection

If you and your passengers are injured in an accident while driving an insured vehicle, this policy covers medical costs, including surgery, X-rays, and medication. Home insurance also covers funeral expenses and partial loss of income following a vehicular accident.

Liability protection

 No matter how careful you are on the road, accidents can still happen. The liability coverage in your auto insurance protects you against the below liabilities:

• Bodily injury caused to other road users
• Property damages to third parties
• Legal suits for liabilities you are deemed liable

Uninsured motorist protection

The state of Maryland requires you to carry uninsured motorist coverage of at least $30,000. The UM coverage protects you against uninsured motorists that cause damage and bodily injury to you and your passengers. This coverage also protects you when someone causes injury to you or damages your car and leaves the scene of the accident without being identified (hit-and-run situations).

Auto insurance near me

Are you a car owner in Silver Spring, MD searching for a spectacular auto insurance policy that meets your needs and budget? Please call or visit our Renee Oliver Insurance Agency Inc. for detailed information about auto insurance coverage.