So you’re looking to obtain auto insurance quotes in Baltimore or some other part of Maryland? The first thing you need to do is familiarize yourself with Maryland’s insurance requirements. After you have a good understanding of the basics, finding a competitive quote will be a breeze.
The state of Maryland is a no-fault state, meaning that all residents are responsible for their own medical bills regardless of who is deemed at fault for the accident. The coverage that will pay for medical expenses is known as Personal Injury Protection (PIP) and will cover not only medical bills but other incidentals including lost wages and, if it should become necessary, even funeral expenses. When you search for auto insurance quotes in Baltimore or any other area in Maryland you will have the option to choose a PIP level that matches your medical and income needs.
If you cause an accident the state of Maryland requires you take responsibility for paying the other party’s medical and property bills. The minimum amount of bodily injury liability coverage you can purchase is $20,000 per person/$40,000 per accident (to cover medical bills) and $15,000 in property damage liability (to repair a vehicle). These limits can be increased and you should include several options as you collect Baltimore auto insurance quotes.
Not every state requires drivers to purchase uninsured or underinsured motorist coverage but in Maryland it is a requirement. The reason is because the state of Maryland realizes two things. First, not every state forces drivers to purchase automobile insurance. Second, not every driver will purchase liability limits over the minimum. If you are in an accident caused by one of these irresponsible drivers you may not be able to file a claim for compensation against their limited or nonexistent policies. If that were the case, your uninsured/underinsured motorist coverage would pay or make up the difference. There are several different options available and you should, again, ask for different levels of coverage as you compare your Baltimore auto insurance quotes.
These are the only automobile insurance coverages mandated by Maryland state law. You can also opt to include comprehensive, collision, towing, rental reimbursement, and special glass coverage, depending on the carrier you are dealing with. Check your Baltimore insurance quotes to make sure you’re getting at least the minimum you can afford – and consider increasing your limits for your own protection!