Maryland Autoowners with auto insurance coverage

Auto Insurance

Are you aware that Maryland is a mandatory vehicle insurance state? This means that all vehicles in the state of Maryland must always be insured by an auto insurance company that is licensed in Maryland. Auto insurance coverage in Maryland may include several types of protection. Before you contact an agent, you may want to become familiar with the insurance coverage you are purchasing. It is important to know which coverages Maryland law requires you to purchase and those coverages that are optional. Bay Point Insurance LLC can help you distinguish between the two.

Liability Insurance 

Liability insurance protects the policyholder when they are at fault for an accident. Bodily injury liability coverage and property damage liability coverage are the two kinds of liability insurance required by state law in Maryland. While Maryland law establishes a minimum level of liability coverage, vehicle owners who can afford higher premiums sometimes opt to purchase more coverage for expenses like repairs, medical bills, and lawsuits. More protection does mean higher premiums though.

Uninsured Motorist (UM) Coverage

Uninsured motorist coverage will protect you if you, a passenger, or your property is injured by someone driving without insurance. This insurance applies to your property, as well as medical expenses, lost wages, pain and suffering, and repairs to your property. 

Personal Injury Protection (PIP) 

PIP coverage reimburses your (or those listed on your policy) medical expenses and lost wages that result from an auto accident, as long as they are reasonable and necessary. Reimbursement up to the specified amount on your coverage can occur regardless of who is at fault for the accident.

Contact our independent insurance agents here at Bay Point Insurance today to discuss the types of protection that you need. Our knowledgeable Gambrills, MD auto insurance agents can give you a free quote. Or if you'd rather, you can get a quote online right now through our website!


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