Know Your State's Auto Insurance Requirements
Maryland auto insurance requirements may be different from other states
. Before you get quotes for auto insurance, it is important that you know exactly what is required of drivers in Maryland. Remember that the state requirements are minimum requirements; most drivers actually get cover for a lot more. Anybody who has had the misfortune to be involved in an auto accident will tell you that they have extremely expensive consequences! Make sure you are satisfied with the level of cover you choose.In Maryland, unlike some other states, the following coverages are not legal requirements: Medical Payments; Collision; Comprehensive and Personal Injury Protection. Nonetheless, most drivers make sure their policy does cover these areas. The Maryland state requirement for Property Damage Liability is $15,000; most drivers are covered for up to $50,000. The requirement for Uninsured Motorist Bodily Injury is $20,000 per person and $40,000 per accident; most drivers are covered for $100,000 and $300,000 respectively. The third area of coverage that is required by the state of Maryland is Bodily Injury Liability; a minimum of $20,000 per person and $40,000 per accident. Again, most drivers are insured for $100,000 and $300,000 respectively.
Auto insurance protects drivers from financial losses resulting from an accident, such as medical expenses, vehicle repairs and legal fees. Even if you think you are the most careful driver in Maryland, you should not be without Maryland auto insurance. First, it is against the law to drive without valid insurance cover. Should the worst happen and you are involved in an accident, you want to have the peace of mind that you have adequate insurance coverage. An accident can be distressing enough without having the added stress of paying out enormous amounts of money.
If you are still confused about auto insurance in general, the best thing to do is consult a qualified insurance agent who is familiar with the Maryland state auto insurance laws and will be able to give you clear advice about what is best for your circumstances. With over 200 insurance providers in the state, it can be a daunting prospect to choose just one. Choose an agent who is not tied to any one insurance company, so that you can be sure they will give you impartial, balanced advice. Some drivers choose to link their auto insurance to their home insurance, business insurance or life insurance. Many insurance companies will give a discount to a customer who has a "blanket" insurance policy of this sort, for example by offering a percentage reduction on the premiums of each additional policy that is added. It can also help you with your paperwork and keep you organized if you only have one insurance company to deal with for all your insurance coverage needs.
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