You are not required to carry anything but basic auto insurance in Waldorf, MD. That is not the right coverage for everyone, and it is important to be aware of all the options you have to protect yourself and your assets. Our team at BES & Associates Insurance works for our customers to make sure they understand all the auto insurance options that are available to them.

Common types of auto insurance coverage

Liability coverage

Basic auto insurance required by the state of Maryland is liability coverage. This is insurance that covers injuries that may be sustained by people in a vehicle that you have an accident with when you are responsible for the accident. It also covers repairs to their vehicle, and it covers legal action they may take against you.

Comprehensive coverage

Often referred to as non-collision coverage, this insurance covers your vehicle. What it covers are things other than a collision with another vehicle. It does, however, cover a collision with a deer. It also covers theft, vandalism, floods, a stone to the windshield, and damage from a variety of weather conditions.

Collision coverage

When you are responsible for an accident or are the victim of a hit and run, this insurance will help to pay for your vehicle to be repaired or replaced.

Uninsured or underinsured coverage

This insurance protects your vehicle if it is damaged by another driver who has no insurance or inadequate insurance.

Gap coverage

If you have a new car, and it gets totaled, your insurance may not pay you enough to pay off your car loan. This coverage fills the gap so that you don’t lose your vehicle and still owe money on it.