Auto insurance: What coverage do I need?

When it comes to the question of what coverage do you need, it is important to distinguish between what is required by the law in Huntington, MD and what you decide that you need to have covered. Monterey Insurance Group Inc. knows that you have choices when it comes to where you get your insurance coverage and they hope that you will choose them for your needs. 

In the state of Maryland, the required insurance is bodily injury coverage $30,000, with 2 or more people are involved it rises to $60,000 and property damage coverage of $15,000. This offers protection to other people who you may have injured and their property but what about you? The state also requires that Maryland drivers carry uninsured motorist coverage in the same amount as the basic liability insurance. This protects you in the event of a hit and run and also from residents who are non-compliant with the state requirements. 

For many people, this is not adequate coverage. Purchasing additional liability insurance is something that anyone with assets may want to consider. Beyond that, there are several options that can help to protect your vehicle from the many hazards that are out there. 

Collision coverage pays to have your vehicle repaired or replaced when you are involved in an accident where you are the responsible party. It usually has a deductible that must be met and then your vehicle will be repaired or replaced up to the value on your policy. 

Comprehensive coverage includes hazards that damage or destroy your vehicle but don’t involve another vehicle. These include weather events, vandalism, deer and other large animals and also theft. Glass coverage is usually included as well. 

When it comes to what coverage you need, the knowledgeable staff at Monterey Insurance Group Inc. in Huntington, MD can make sure that you get exactly the right coverage and the right insurer. Stop by the office or give us a call for a no-obligation quote.