Auto Insurance in Fruitland, MD
With rising insurance costs, drivers may question the need for their auto insurance policies. While it may seem like an excessive expense at times, it’s essential to understand the true value car insurance provides.
Why Is Car Insurance Important? 
One of the most important reasons to have car insurance is its legal requirement. In Maryland, liability insurance and uninsured/underinsured motorist coverages are required by law. This means you could face fines and license suspension if you’re caught driving without sufficient insurance.
Beyond legal requirements, having car insurance can make a substantial financial difference if you get into an accident, even if you don’t cause it. Otherwise, you may need to pay for everything yourself.
What Can It Include?
There are numerous car insurance options available to include in your policy, such as the following:
- Liability insurance, including bodily injury and property damage coverages, may help pay for losses you cause to others.
- Physical damage insurance, including collision and comprehensive coverages, may help pay for damage to your vehicle.
- Uninsured/underinsured motorist coverage may help pay for your losses when an at-fault party doesn’t have sufficient insurance to cover them, including in hit-and-run incidents.
- Personal injury protection may help pay for your medical bills and lost wages after an accident.
- Guaranteed asset protection coverage may help cover the difference between what your car is worth and your outstanding loan amount if the car is totaled in an accident.
Talk to your broker to learn more about other available options that may suit your needs.
How Do I Find a Policy?
MANN & GRAY Insurance Associates is here to help you secure the right car insurance for your needs. We can help you shop around for policies and find applicable discounts. Contact us today to get started.