car insurance coverage

The Importance of Having Full Car Insurance Coverage in Maryland

Car insurance coverage is not just a legal requirement in Maryland—it’s an important way to protect yourself and everyone else on the road. While liability insurance is mandatory in most states, many Maryland drivers choose collision insurance and comprehensive insurance to further protect themselves. Why is getting full car insurance coverage so important?

The Basics of Car Insurance Coverage

Maryland law requires motorists to maintain at least the minimum coverage level for bodily injury liability (30K per individual / 60K per accident), property damage liability (15K per accident), and underinsured/uninsured motorist coverage (30K per individual / 60K per accident). However, there are many other types of coverage that you should consider for increased protection. The basic types of policies include:

  • Liability Insurance: This helps protect you in an accident, and it can include bodily injury liability coverage and property damage liability coverage. These help cover the cost of medical expenses or property damage claims that the other party makes in an accident where it is your fault.
  • Uninsured Motorist Insurance: This coverage helps give you financial protection if you or your property are harmed by someone who is driving without any insurance. Underinsured motorist coverage also includes those who do not have sufficient insurance to cover your claim.
  • Comprehensive or Collision Coverage: This type of coverage is required by most lenders if you don’t own your car outright, and it helps cover losses due to the damage or loss of your vehicle. Collision coverage is designed to cover the cost of repairs or make you whole on the value of your vehicle. Comprehensive coverage will pay for damage to your vehicle that happens due to something other than an accident, like theft or vandalism.

Some insurance companies also offer optional add-ons, like towing coverage.

The Benefits of Full Car Insurance Coverage in Maryland

  1. Legal Compliance: Full car insurance coverage makes it easy to stay compliant with Maryland’s legal requirements.
  2. Financial Protection: Comprehensive coverage is a great way to protect yourself from the steep financial burden of repairing or replacing your car in the event of non-crash incidents like theft, vandalism, fire, or natural disasters.
  3. Protect Your Car: Full car insurance coverage helps protect one of your biggest assets—your vehicle! By giving you financial protection against liabilities arising from accidents or damages caused by or to other drivers, you can rest assured that you won’t be financially devastated by an accident.
  4. Peace of Mind: Having comprehensive insurance coverage offers peace of mind every time you get on the road. You can focus on driving without worrying about potential legal or financial issues if you’re involved in an accident.

Contact Mobley & Brown, LLP for Help With Your Car Accident Case

If you have experienced a car accident, you need the right legal assistance. Our experienced legal team is looking forward to working with you to meet your needs. Call us now at (410) 385-0398.