Do I have enough auto insurance?

Determining how much auto insurance to put on a new car or to purchase in a new state is a tough call. For residents of the Huntington, MD area and beyond in the Old Line State, a minimum amount of liability insurance and underinsured motorist coverage is required. To make sure you purchase enough insurance and consider any additional coverage options, contact the Monterey Insurance Group Inc. to discuss your auto policy needs. 

How much insurance does the law require?

In Maryland, state statute requires 30/60/15 liability coverage. This breaks down to coverage for bodily injury per person, bodily injury per accident, and property damage. Bodily injury per person is limited to $30,000, and the total bodily injury coverage provided per accident is $60,000. Property damage caused in an accident is covered up to $15,000. The policy funds can go toward legal costs for you, medical bills lost wages claims, and settlements up to the policy limit. 

Uninsured motorist coverage in Maryland features the same limits and also includes underinsured motorist coverage. This type of coverage provides you with protection if you’re in a wreck with someone without coverage or with inadequate coverage. For example, if you were in a wreck with a person with a minimum level policy but accumulated $50,000 in medical bills and lost wages, the first $30,000 in liability would be covered by their policy, and then your policy would step in to help.

Do I need more insurance than the minimum? 

Unless you 100% own your car, your lender is likely to require additional insurance coverage. This includes comprehensive and collision options to cover the cost of repairing or paying off your automobile in a wreck. Even if your vehicle is paid for, you may want to purchase these coverage add-ons to help you fix or replace your car should you hit an animal or total it in a wreck. Collision covers accidents with other vehicles while comprehensive steps in for wrecks involving animals or other loss situations like vandalism or auto theft.

The Monterey Insurance Group Inc. serving Huntington, MD is here to answer your questions regarding auto insurance. Contact us today to discuss policy options.

Three reasons you should purchase a comprehensive auto insurance policy

Vehicle owners are often uncertain of whether purchasing a comprehensive auto insurance policy in Huntington, MD is necessary. At Monterey Insurance Group Inc. we offer comprehensive auto insurance coverage. The following are three reasons why you should purchase a comprehensive policy for your insurance needs. 

You’re covered if your vehicle is stolen or vandalized. 

Standard collision coverage won’t compensate policyholders for issues like vehicle theft or vandalism. However, theft and vandalism can cause a great deal of damage. 

Comprehensive coverage will cover any damages the policyholder experiences as the result of vehicle theft. This means that policyholders can be compensated for the full value of their vehicle if their vehicle is stolen.

If you live or travel frequently in a high crime area, comprehensive insurance coverage is especially important to protect against theft and vandalism. 

You’re covered if your vehicle is damaged by fire or flooding. 

Standard collision coverage won’t compensate you for damages caused by certain natural disasters. It also won’t compensate you if your vehicle somehow catches on fire. Fortunately, comprehensive coverage will compensate you for events like these. 

You’re covered if hitting an animal causes damage to your vehicle. 

If you drive through wooded areas with a lot of wildlife, you need comprehensive coverage. Comprehensive coverage pays for any damage caused if you hit a deer or another animal while out on the road. Collision coverage doesn’t always compensate you for this type of damage. 

At Monterey Insurance Group Inc. we offer comprehensive auto insurance coverage to residents of the Huntington, MD area. If you’re looking for the right policy for your needs, contact us to learn more about our auto insurance coverage. 

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. 



Is Auto Insurance Required in Maryland?

For thousands of residents living in Huntington, MD, operating a vehicle is one of the most important elements of completing a day-to-day routine. From work to school to grocery store errands, it’s no wonder that our safe transportation from one place to the next is vital to our physical and monetary success. Being unprepared in the event of an accident can leave you vulnerable to steep medical bills and a lowered quality of life. This is why reliable auto insurance policies are fundamental aspects of an insurance portfolio and legally required by the State Government of Maryland.

In order to legally register and drive a vehicle in Maryland, all motorists are required to have a form of auto insurance that can cover them in the event of an accident. The insurance provider must be licensed to operate within state boundaries and offer Maryland mandated minimum requirements. These requirements include:

  • $30,000 in the event of a bodily injury to one person.
  • $60,000 in the event of a bodily injury to two or more persons.
  • $15,000 in the event of property damage the insurance holder is liable for.

Transportation Network Companies such as taxi services employing between twenty-six and three hundred network operators must cover a different set of minimums, including:

  • $50,000 for bodily injury to a single person.
  • $100,000 for bodily injuries to two or more individuals.
  • $25,000 for property damage caused by the driver at fault.

For more information about the auto insurance requirements in Maryland State, reach out to the Monterey Insurance Group Inc. Located in Huntington, MD, the Monterey Insurance Group Inc. is proud to offer insurance coverage for customers across the state with the passion and experience you need to get back on the road. Call or visit with us today.

Auto Insurance for Aging Parents

Auto insurance rates are often based strongly on age. The reason for this is because much research has gone into learning at what ages there are greater or lesser risks of accidents and injury. What kind of changes can you expect for aging parents? Let Monterey Insurance Group, Inc. in Huntington, MD help.

Rates and Ages

Since auto accidents seem to increase for the youngest drivers, it would make sense that as you get older, your rates go down. However, this trend only lasts until individuals begin heading into their elderly years. Once an individual reaches a certain age, rates may go up again. Elderly drivers are at special risk due to changes in hearing, vision, and slower reaction times. Rates are also higher in this age bracket because older drivers sustain more and worse injuries than younger drivers in an accident. 

Are There Discounts Available?

There are some steps you can take to help get the best deal possible for an older driver. AARP offers driving classes for older people. These refresher courses are a great way to help them drive safer and, in some cases, discounts are offered for individuals who will take these driving courses. Another option is to use safety features for vehicles. Many newer cars come with plenty of safety features that can make driving much safer than in years past. If you are thinking of buying another car, look for one with options that help you drive safer. Driving less may also give them the opportunity to come off of the insurance policy if they are just a member of the household and not the main policy holder. 

If you would like to learn more about how to safely and affordably insure older drivers, please call our friendly staff today at Monterey Insurance Group, Inc. in Huntington, MD. 

Auto Insurance: Does Yours Protect Your Investment?

If you have a vehicle, you need insurance for it. Fortunately, there are options for auto insurance in Calvert County and the surrounding area. At Monterey Insurance Group, Inc., we offer the help and guidance you need to get a policy that is going to work for your needs, vehicle, and lifestyle. How you use your car or truck, the mileage you put on it every year, and a lot of other factors all matter for protecting the investment in your vehicle through the right insurance policy. When you work with a knowledgeable agent, you can get what you need for good protection and plenty of peace of mind.

One of the problems with auto insurance is that people get it and then forget about it. They do not make any updates to it over time, even if their situation changes. That can lead to them not being covered the way they expect to be. If they have a claim, they may not be protected at the level they needed to be. But you can avoid that by making sure your auto insurance is what you need and require. Your agent can tell you if your policy offers the kind of protection you should have, or whether you might need more than you currently have actually to be fully protected when using your vehicle.

Reach out to us today at Monterey Insurance Group, Inc. and protect your Calvert County area vehicles the right way. By working with us, we can help you get the proper coverage for a car you just bought or one that you have had for a long time. Then your peace of mind will be real, and your insurance coverage will be what you need to honestly and ultimately protect the investment in your vehicle.

Do You Need Full Coverage Auto Insurance?

The purpose of auto insurance is to protect you against financial ruin in the event you are involved in an accident. A full coverage auto insurance policy from Monterey Insurance Group, Inc. in Huntingtown, MD will provide this type of protection. Before getting auto insurance, take time to review what full coverage has to offer.   

Understanding Full Coverage Insurance

Most full coverage auto insurance policies offer liability, comprehensive, and collision protection. Some include uninsured motorist and medical payments in their full coverage package. Under full coverage, your insurer will pay for:  

  • Damage to others in an accident you cause. This liability coverage includes medical expenses and property damage up to the limits on your policy. If your accident causes injuries or damages above the limits of your policy, you could be held liable for the remaining costs. Paying more for higher liability limits will help protect your financial assets.
  • Damage or market value of your vehicle under collision coverage. You’ll have to subtract your deductible if you’re found at fault for the accident. Comprehensive insurance covers theft, vandalism, and damage caused by adverse weather and natural disasters.
  • Injuries sustained by you or your passengers up to the limits of your medical payments coverage.
  • Injuries sustained by you or your passengers due to being hit by an uninsured driver per the limits of your uninsured motorist coverage.

Do You Need Full Coverage?

If you’re financing a new vehicle, your lender may require you to have full coverage. Even if your new vehicle is paid off, full coverage insurance will protect your costly investment. Full coverage auto insurance comes with a higher premium, but the protection you receive will more than offset these costs.

To learn more about full coverage auto insurance policies and costs, contact us at Monterey Insurance Group, Inc. in Huntingtown, MD.

What Car Insurance is Required in Maryland?

No matter where you live in Maryland, you’ll want to make sure you have the right kind of car insurance. At Monterey Insurance Group, Inc. in Huntington, MD, we can help. Whether you’re new to the state or new to driving, our independent insurance agents will have you equipped with the proper insurance in no time!

Just Moved to Maryland?

Those who are new to Maryland need to be aware that the rules and regulations for car insurance in Maryland may be different from those in their previous state. To register your car here, you’ll need proof of insurance.

Additionally, before you can register your vehicle, your vehicle must pass the Maryland State Inspection. During the inspection, your vehicle must show that it is up to Maryland’s safety standards. Every county in Maryland has authorized inspection stations, so you’ll need to find one near you.

Required Maryland Car Insurance

All Maryland residents must make sure they meet the minimum legal Maryland auto insurance requirements. You can also add additional coverage to fit your needs.

In Maryland, you must have:

  • Bodily Injury Liability Coverage: $30,000 minimum per person and $60,000 minimum per accident
  • Property Damage Liability Coverage: $15,000 minimum
  • Uninsured Motorist Bodily Injury Coverage: $30,000 minimum per person and $60,000 minimum per accident
  • Uninsured Motorist Property Damage Coverage: $15,000 minimum
  • Personal Injury Protection: $2,500 minimum (However, in Maryland you can choose to waive this protection and choose limited PIP instead.)

If you need car insurance in Maryland, call the independent agents at Monterey Insurance Group, Inc. in Huntington, MD today. They can help find you the coverage you need to get you on the road!

What Should I Do if I Am Injured in an Auto Accident?

Driving a vehicle is a very common practice that always comes with a little bit of risk. While most accidents are minor, there are situations in which you may sustain personal injuries. For those that are in the Huntington, MD area and are injured in a car accident, here are several tips and steps that can help you in the long run.

Get Medical Attention

If you are injured in a car accident, the most important thing that you need to do is get proper medical attention. Even minor injuries could be symptoms of more serious underlying problems. Because of this, it would be wise to get checked out after an auto accident.

Police Report

If you have the opportunity to do so, you should also have a police report filed as soon as you can. If you do not immediately go to the hospital, you should contact the local police to fill out a full report and ensure that all drivers are properly insured. 

Contact Your Insurance Company

Finally, after you have been injured in an auto accident, you should contact your auto insurance provider. If you are not determined to be at fault in an accident, your auto insurance provider will be able to work with the other party’s insurance company to ensure that your medical bills and auto damage are fully covered by the insurance policy. 

Since your car is such a valuable asset, having a quality auto insurance policy in place is very beneficial. For those that are in the Huntington, MD area, working with the Monterey Insurance Group, Inc. would be beneficial. Monterey Insurance Group, Inc. can help to provide you with a great policy and can also provide you with support if you are ever in an auto accident. Reach out to us for more information and try our online rating tool for a quote on auto insurance.

How Will a Traffic Ticket Affect Your Auto Insurance

Calvert County residents who have one or more auto tickets may be wondering how these tickets will affect their current auto insurance policy or their ability to find a new auto insurance plan. Below, we’ll discuss how traffic tickets affect auto insurance and what you need to know about monthly premiums despite having tickets on your record.

Is Insurance Affected by Traffic Tickets?

Essentially, auto insurance providers want to know that you’re not going to get into an accident. After all, when they are your insurance provider, and you get into an accident, this is when they have to start paying money out.

Naturally, they don’t want to do this. This is their business, and that’s just the way it works. There’s no way auto insurance companies could make any profit if they were constantly paying for people’s accident. As a result, if they can be confident that you’re not going to get into an accident, they will inevitably lower your rates and give you better coverage.

The opposite is true as well.

That is, if insurance agencies see that you’ve been in accidents before, they’re less likely to give you the best rate. Agencies use statistics to look at how likely you are to get into it an auto accident, and they adjust their premium rates for your auto insurance plan accordingly.

Contact Monterey Insurance Group, Inc. in Huntingtown, MD Today

If you are a Calvert County Maryland resident, Monterey Insurance Group, Inc. in Huntingtown, MD can help you navigate your insurance policy if you have had a traffic ticket (or multiple tickets). We can also help you find a brand new auto insurance plan.

To learn more about your auto insurance options, give us a call today, or feel free to stop by our nearest location. One of our knowledgeable insurance agents would be happy to sit down and speak with you. Also, try our online rating tool for quotes on car insurance from home.