Customize your MD & PA car insurance coverage

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When it comes to car insurance in Maryland and Pennsylvania, we offer guidance on a wide range of topics, including accidents, windshield repairs, and legal claims. Our objective is to assist you in customizing your coverage to align with your individual needs. You will have the liberty to choose the options that best fit your situation, all while ensuring you receive affordable protection that complies with state regulations.​

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Why do I need car insurance in MD & PA?

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In nearly every state, car insurance, especially liability coverage, is required to protect you financially in the event that you unintentionally harm someone or damage their property. Additionally, by incorporating supplementary coverages, your auto insurance can help cover the expenses associated with repairing or replacing your own vehicle.

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​​Common MD & PA car insurance coverages

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Auto liability coverage

Auto liability coverage includes bodily injury liability (BI), which protects against injuries you may cause to others, and property damage liability, which addresses any damage you inflict on someone else's property, all subject to the limits established by your policy.

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Uninsured / Underinsured Motorist Coverage

If you experience an accident caused by a driver who is at fault and does not have insurance or has inadequate coverage, uninsured/underinsured motorist coverage can assist in paying for your medical expenses and those of your passengers, as well as any damage to your vehicle. This type of coverage is categorized into two main areas: bodily injury, which focuses on medical costs, and property damage, which addresses the physical damage to your vehicle and other assets.

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Personal Injury Protection (PIP)

Personal injury protection, often referred to as PIP, provides financial assistance for medical bills incurred by you and your passengers in the event of a car accident, regardless of who is at fault. Depending on the regulations in your state, PIP may also include coverage for lost wages, help with household tasks, and other expenses related to your injuries. While certain states require PIP coverage, others allow it as an optional enhancement.

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Comprehensive Auto Coverage

Comprehensive coverage protects your vehicle from damages resulting from unexpected events, including hail, falling branches, and collisions with animals. Although no state law mandates this insurance, it may be a requirement from your lender if you are leasing or financing your vehicle.

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Collision Coverage

Collision coverage offers financial support for the repair or replacement of your vehicle after an accident, regardless of who is at fault. This type of coverage also applies if you hit an object, such as a tree or utility pole, but does not cover collisions with animals. Although collision coverage is not legally required, many leasing companies and lenders mandate it as part of their financing terms. When you choose to include collision coverage in your auto insurance policy, you will need to determine a deductible, which is the amount you will be responsible for paying when filing a claim for collision-related damages.