Maryland has its own laws regarding the auto insurance that its residents must-have. The state is considered an "at-fault" state, meaning that the person who is found to be at fault for an accident is the one who must pay for its associated costs. To ensure that you have enough coverage in Maryland, call us at Knippenberg Insurance Inc. in Cumberland, MD.
Bodily Injury Coverage
In Maryland, there is a specific amount of coverage that residents must-have for the death or bodily injury of a person who was in an accident caused by the driver of the insured vehicle. There is another mandatory minimum amount for all of the death or bodily injury caused by an accident that was the fault of the driver of the insured vehicle. The minimums in these coverages are fairly low, however, and many people get policies with more liability insurance to be safer in case of a major accident.
Property Damage
Maryland also requires drivers to have a specific minimum amount for the property damage to another person’s property that was the fault of the person driving the insured vehicle. This coverage does not, however, include any damage to your own vehicle. For coverage for your own vehicle, even if you are at fault for the accident, you need to have collision insurance. This type of policy is not required in the state, but your auto finance company may require it.
Keep Your Vehicle Insured
If you don’t have enough auto insurance for your vehicle, call us at Knippenberg Insurance Inc. in Cumberland, MD, and make an appointment to talk to an agent about the coverage your vehicle needs.
