Auto Insurance in Maryland

If you are going to drive legally in Maryland, you are going to need car insurance. Under the law, you need to have the state minimum liability insurance. You need to show proof of insurance to register your car, and you need to keep the proof of insurance in your vehicle. If the police pull you over, you will need to show it. If you have never had auto insurance in Maryland, you should understand how the insurance works.

Liability

Liability insurance will cover the cost of the other driver's vehicle and medical expenses if you cause an accident. It will also cover their lost wages and pain and suffering. It is important to know that you and your vehicle are not covered under liability insurance.

Collision

Collision insurance would cover you and your vehicle if you hit another car or any fixed object. If you are still making payments on your vehicle or a lease, the lender will require you to have collision insurance.

Comprehensive

Comprehensive insurance adds another layer of protection. If your vehicle is damaged by anything but a collision, such as vandalism, severe weather, or if it is stolen, it would be covered under comprehensive insurance.

Additional Options

There are a few additions that you can add to your insurance policy for maximum protection. These include:

  • Loan/lease payoff
  • Rental car reimbursement
  • Roadside assistance

You don't have to add these options to your policy, but you should consider it if you want the maximum protection possible.

Penalties for Driving Without Insurance

The biggest mistake you can make is letting your auto insurance lapse. If you are caught driving without insurance, you can be fined up to $1,000. You can also have your license plates confiscated and serve up to a year in prison. Considering how severe the penalties are, it is essential that you make sure that your insurance is current and up-to-date.

If you are ready to buy a vehicle, visit Renee Oliver Insurance Agency in Silver Spring, MD. Our agents can help you buy a policy that offers the protection that you need. To get your policy stated, give us a call or stop by our office in Silver Spring, MD today.