Drivers in Maryland have to abide by the state's laws. This is for all drivers. If you own or lease a car in the state, you need to carry basic auto insurance. At Carrie Polk Insurance Inc., we have offices in Waldorf and Prince Frederick, MD. As a full-service independent agency, we provide all the services you need, and we make sure all of our customers have the mandated amount of auto insurance.
Basic insurance is liability coverage only. In Maryland, the amount that is required is 30/60/15. That is $30,000 for the first injury in an accident, $60,000 for all the injuries, and $15,000 for property damage. This protects other drivers if you are the responsible party in an accident, but it offers no protection whatsoever for you and your vehicle.
If you have an auto loan or a leased vehicle, you will need to carry insurance to protect the vehicle. If you need your vehicle for everyday life activities, it is important to have vehicle coverage as well.
Collision coverage is what it sounds like. It covers your vehicle in the event of an auto accident where you are at fault. It repairs or replaces the vehicle. It also covers when an underinsured or uninsured driver hits you or if you are the victim of a hit-and-run.
Comprehensive coverage is most other things other than a collision that can happen to your vehicle. It will replace your windshield if it gets chipped or cracked. It covers weather damage such as floods, heavy winds, or hail. If your vehicle is stolen or vandalized, this insurance will be available.
Other optional coverage includes gap coverage, roadside assistance, and rental vehicle coverage.
Contact Carrie Polk Insurance Inc. in Waldorf and Prince Frederick, MD when you want to review your auto insurance coverage or need a new carrier.