The three main types of auto insurance available in Maryland

Doing your research and informing yourself is an essential part of meeting your auto insurance needs. We can help you learn about all your auto insurance options at Mid Atlantic Insurance Financial.

The following are the three main types of auto insurance you should be aware of when you’re looking for a policy in Laurel, MD.

Liability coverage

Liability coverage is the most basic type of auto insurance coverage. Liability coverage is required by law in almost all states.

Liability coverage pays for damages the policyholder causes to the properties of others. Liability coverage also covers medical costs that the policyholder causes. 

You’ll need to purchase liability coverage as a basic part of your auto insurance policy to meet legal requirements in Maryland. 

Collision coverage

Collision coverage protects the policyholder against damages to his or her own vehicle. Without collision coverage, you may find yourself having to pay out of pocket for damages to your own vehicle in an accident. Investing in collision coverage gives you greater peace of mind and helps bring down the chances that you’ll suffer the loss of your vehicle in an accident without being compensated. 

Comprehensive coverage

Although collision coverage protects you against damages to your own vehicle resulting from an accident, there are certain potential causes of damage that won’t be covered under collision coverage. For example, collision coverage typically won’t cover damage caused by fire or theft. 

Comprehensive coverage provides coverage for numerous additional types of damage including damage from fire, theft, vandalism, and more. 

If you’d like to learn more about auto insurance options in Laurel, MD, let us know at Mid Atlantic Insurance Financial. We can answer your auto insurance questions and provide you with helpful information to best meet your auto insurance coverage needs. 

Three things you can do to make your home insurance policy more convenient

Finding the right insurance policy in Laurel, MD is an important task area homeowners need to take care of. At Mid Atlantic Insurance Financial, we offer insurance policies to meet your needs.

If you want to make things easier for yourself regarding home insurance, you can do the following things to make home insurance more convenient.

Buy a policy with online account management features

Many insurance providers offer online account access features. These features allow you to view information about your account and make payments online.

Online account management features make things more convenient by allowing you to conveniently access information about your account whenever you need it.

Set up automatic payments

A lot of providers also offer automatic payment features. This means you won’t have to remember to make payments on your account. Your payments will be automatically charged to your bank account or credit card. 

With automatic payments, your premium payments are taken care of automatically. You minimize the chances that you will overlook a payment. This is important because your insurance policy can be canceled if you overlook a premium payment. 

Make sure your provider offers good customer service

It’s important to realize how important good customer service is when you’re buying insurance. Unfortunately, homeowners sometimes underestimate the importance of good customer service when they purchase home insurance.

Whenever you have a question about home insurance or need to submit a claim, customer service is important. With good customer service, you know that your needs will be addressed by your insurance provider promptly and completely. 

Do you have questions or inquiries about home insurance policies in Laurel, MD? We can help at Mid Atlantic Insurance Financial. Contact us to learn more.