Personal Automobile Insurance
In MD, DC, VA and some surrounding areas.
Although most states require that you carry a certain
minimum limit of Auto Liability Insurance, minimum coverage
may not provide sufficient protection for you, your
family, and your personal assets.
Types of coverage and limits available vary state-by-state.
Basic coverages you might expect to find on a Personal
Auto Policy are:
- Liability Offers protection against
claims, property damage or bodily injury to a third
party that you or a member of your household accidentally
causes while driving your car. This coverage applies
only if the driver is considered legally responsible
for the damage.
- Medical Payments Assures you,
your family members and passengers in your car will
receive necessary medical and dental services following
an auto accident, regardless of who caused the accident.
We also provide coverage if you and your family members
are involved in an accident as a pedestrian. Note:
Medical Payments coverage may not be included in your
policy in favor of PIP coverage (see below), if PIP
is required in your state.
- Personal Injury Protection (PIP)
Provides no-fault insurance for residents of states
where it is required. This means that you, your family
and any passengers are covered under your policy,
regardless of who is responsible for the accident.
PIP coverage includes medical, surgical, dental, hospital,
work loss and certain other related expenses, and
extends to you or your family member in an accident
as a pedestrian.
- Uninsured Motorist Pays for injury
expenses incurred should you, your family members
or passengers be involved in an accident with an uninsured
motorist. This coverage also provides protection for
a hit-and-run accident or an accident with a driver
who has less insurance than required by law. Underinsured
Motorist provides coverage when the other driver
is found legally responsible for an accident and has
coverage, but not enough to cover your injuries. If
your coverage limits are higher than those of the
at-fault driver, this coverage will absorb the additional
expenses. Because each state has its own uninsured
motorist laws, Un/Underinsured coverage varies. In
most states this coverage applies to bodily injury
only, but property damage coverage is available in
- Collision coverage Pays for damage
to your car caused by accidental impact with another
vehicle or object, or if your vehicle overturns. The
maximum amount paid is limited to the actual cash
value of your vehicle, which is often referred to
as the "local market value," less the collision
deductible. The local market value is only a starting
point in determined the payoff, because actual cost
car may be more or less depending on the condition
of the car.
- Comprehensive coverage Pays for
damage to your car caused by a situation other than
a collision, including breakage of glass, falling
objects, fire, theft, windstorm, hail, water, flood,
malicious mischief, vandalism, and impact with a bird
or animal. The maximum amount paid is limited to the
actual cash value of your vehicle less the "other
than collision" deductible.
Damages not covered by comprehensive coverage include
normal wear and tear, mechanical or electrical breakdowns,
and flat tires.
- Additional / Optional Coverages
- Towing and labor Pays for
towing and labor costs each time your car is disabled.
Covered labor must be performed at the place where
your car is disabled, and there is usually a limit
to the dollar amount applied to each loss.
- Rental reimbursement Pays
for the cost of renting a car when your car is
damaged by a situation covered by comprehensive
or collision coverage, and when your car is out
of commission for more than 24 hours.
- Tapes, records, CD coverage
Pays for the loss of tapes/CDs that are in your
car at the time of loss.
- CB radio/car phone This additional
coverage pays for loss to your CB or two-way radio/telephone
if the equipment is not permanently installed
in your car at the time of loss.
This description of coverage is
not an insurance contract. Your policy is the contract
that specifies and fully describes your coverage. Conditions
and exclusions will apply. Not all coverage described
is available in all states.