In Laurel, Maryland, it is illegal to operate a vehicle without insurance on that vehicle. This is the rule of thumb throughout Maryland. States do fluctuate in the degree of fines that are put on drivers who operate a vehicle without active insurance coverage and some states being stricter than other states.
If you live in Maryland and are in a position where you need to purchase short term or temporary car insurance for a day up to 28 days, you can expect to pay a slightly higher premium. The question remains on just why you may need a short term policy.
Once instance would be if you are borrowing some else’s vehicle. Before driving any other person’s vehicle, check with your independent agent to make sure that you are covered. When borrowing another vehicle there are many risk factors that you might not consider, such as, fire, theft, vandalism and accident damages.
Another situation would be if you are shopping for a new or used vehicle and you want to take the vehicle for the day, you would want to make sure that you are covered in the event of an accident.
One more situation may be your college student is coming home for vacation break and will want to drive your car while home. Exercise caution and call your independent insurance agent and have the student added temporarily on your auto policy.
Some states require that anyone living in your household, and are a licensed driver must be on your car policy, even if the vehicle is going to be in close proximity to your home, be aware that many accidents happen close to home.
To be on the safe side call your independent agent and make sure that you have the right kind of short term coverage for your specific situation in Laurel, Maryland.