Car insurance is insurance specifically for automobiles, trucks, motorcycles, and any other road vehicle. Its main function is to provide monetary protection against personal injury or physical damage resulting from road accidents and from liability which can also arise in a car accident. It can cover medical and dental expenses as well as loss of earnings or salary. It also covers damage done to the insured’s own car.

The legal minimum requirement for car insurance in Maryland is Third Party Liability, which protects you against damages due to third parties’ negligence or accidents. In order to receive full coverage, it is essential that you obtain the services of an auto insurer with a reputable track record. An online search will reveal the names and addresses of companies most suitable to meet your needs.

Collision coverage covers damage caused to a vehicle in an accident by another vehicle or object. This includes damages caused by vandalism, theft, malicious mischief, acts of God, and weather conditions. While this coverage will not pay for the repair cost of your own vehicle, it will protect the financial assets of your car insurance company should you need to file a claim for damages from another person or company. Collision coverage also covers legal fees and any other costs incurred due to the accident.

Bodily injury and property damage (BPD) liability is an additional coverage that is required by several states. It covers medical and dental costs resulting from an accident for the policyholder and/or passengers. A high deductible is recommended to protect the policy holder in the event of a claim. High deductibles are typically applicable on medical and dental coverage, but are negotiable on the part of the insurer. In some states, a high deductible is a pre-requisite to get insurance, while in others, a high deductible is only a secondary or “additional” requirement.

Comprehensive car insurance coverage helps pay for damages caused to your car from natural disasters such as snow and rain, fire, earthquakes, and other disasters. It can also help pay for damages to your car caused by an act of vandalism, malicious vandalism, or a collision caused by a road hazard. Comprehensive coverage varies greatly from one insurance company to the next, so shopping around is important to find the right policy for your needs. Several different kinds of policies exist that cover different aspects of your comprehensive coverage. While all these types of coverages can help pay for repairs to your car if it is damaged in an accident, it is important to read the terms of your insurance policy carefully before purchasing them.

No fault accidents are considered the least expensive type of accident for which you can file a claim. Your insurance company will pay up to one hundred percent of the repair cost of your car in this situation. If you have added other types of coverage, such as rental car coverage or roadside assistance, the amount of your claim may be lessened if you can prove that the accident was not your fault. If your automobile was destroyed by vandalism or theft, your claim may be covered under your personal belongings and personal property coverage, or other items or property coverage, provided by your insurance company. Your no fault coverage will typically pay up to two thousand dollars per accident.