It is important to disclose all drivers- First Named Insured as listed on policy; others in the household – Spouse, Relatives such as children, Domestic Partner, and Unrelated Residents. Also, Regular Drivers Living Elsewhere must be disclosed.
MD Personal Auto policies have many options that impact premiums. This includes –
Personal Injury Protection begins at $2,500 and may be increased to $5,000 or $10,000. This protection includes Medical Expenses, Loss of Income, Replacement Services and Death Benefit. As you select a limit that meets your needs, consider your existing life, health and disability coverage (including group insurance).
Liability protection provides legal defense and a settlement to those you may injure or for property you may damage.
You have protection from Uninsured Motorists (no insurance at all) or Underinsured Motorists(legally insured, but with insufficient coverage) Occupants of your car have protection limits for injuries matching the Bodily Injury Liability limit. You may lower this matching limit to save premium. Your vehicle is protected with a $250 deductible. This is mandatory protection.
Deductibles apply. Choosing higher deductibles lowers your premium.
Road Service provides reimbursement of reasonable emergency expenses such as towing.
Transportation Expense, also known as Rental Car Reimbursement.
We ask for the opportunity to review your needs when purchasing auto insurance. We also provide a written review each year.
DISCLAIMER: This brochure is provided as a convenient summary. It is not an offer of coverage. Details, limitations and exclusions are found in the actual policies.