Four Types Of Car Insurance in Baltimore, MD

If you drive a vehicle, you must buy car insurance and while you want to have enough, you don’t want to be paying for insurance that you don’t really need. That’s why it’s important to know the different types of insurance available. Below you’ll find out about four different types of Car Insurance in Baltimore MD.

Liability

This type of insurance is mandatory in every state, because if you’re at fault in an accident, this ensures that the injuries and vehicle damages of the other party is paid for. If you don’t have a lot of money to spend on insurance and just want to buy the minimum type of insurance that you have to purchase, you want liability insurance.

Collision

If you’re in an automobile accident, whether you’re at fault or not, collision insurance will pay to repair the damages to your vehicle. If you have a fairly new vehicle, you’ll probably want to carry this type of insurance. If you drive an old beater that isn’t worth much, you can save money by skipping collision insurance. Collision insurance can be expensive and the prices vary depending on the age of your vehicle. If your car isn’t paid for and you have a lien holder, you’ll have to purchase collision insurance.

Comprehensive

This type of automobile coverage covers just about any other type of damage to your car other than a collision with another vehicle. If you hit an animal on the road, if your car is damaged by hail or if a thief steals your vehicle, you’re covered for the loss if you have comprehensive insurance. This insurance can also be costly depending on the model and age of your vehicle. You’re also required to purchase comprehensive if you have a lien holder.

Personal Injury

If you’re involved in an accident, personal injury insurance will cover your medical costs and the medical costs of people injured in your vehicle. Many people don’t purchase this type of insurance, but if you’re in an accident and need medical care, the cost of the policy is minimal compared to what your hospital bills would be.

To get a car insurance quote, contact Atlantic Smith, Cropper and Deeley. This professional insurance company can get you set up with the type of insurance that’s best for you and you won’t have to worry about paying for a policy that you don’t need.

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