The state of Maryland requires that you carry liability insurance to protect other drivers from you. The amount that you must have is 30/60/15 which means $30,000 for the first person injured in an accident with a total of $60,000 per accident and $15,000 for property. At Knippenberg Insurance Inc. in Cumberland, MD, we make sure all of our customers comply with the law, and we also offer them all the add-ons that can give them additional protection.
If you need to protect your own vehicle in the event that you are the responsible party in an accident, or your vehicle is damaged by another event, you need to consider getting collision, comprehensive, and full glass coverage.
Auto Insurance Add-ons
Collision coverage covers your vehicle if you collide with another vehicle or a stationary item. It will also cover you if you are the victim of a hit-and-run. There is a deductible that must be paid first, but the vehicle can then be repaired or replaced.
Comprehensive coverage protects your vehicle from other things that can damage it such as weather events, high winds, hail, and flooding. It also covers theft and vandalism. It covers the glass on your vehicle but with a deductible.
Total glass coverage will replace your windshield without any deductible. You should be able to have them come to you to do the replacement too.
Gap insurance is a necessity if you have a new car and an auto loan. It will cover the gap between what you owe and what the insurance company values your vehicle at.
Rental vehicle insurance provides you with a rental vehicle in the event your car is damaged in an accident.
Schedule A Consultation Today
Call Knippenberg Insurance Inc. in Cumberland, MD to take advantage of our experience and the many choices we can offer you as independent agents.
