Do Accidents Raise Your Insurance Rate if It’s Not Your Fault?

Having adequate auto insurance in place is required by law, but choosing the right policy and benefits to suit your lifestyle is essential. If you’re looking for quality auto insurance, Mid Atlantic Insurance Financial experts can provide the support you need to choose the proper coverage. We proudly serve the residents of Laurel, MD, and encourage you to reach out to us to learn more.


Accidents can happen at any time. That’s why having the right insurance in place is so crucial. Individuals recently involved in accidents that weren’t their fault may wonder if their insurance rates will increase. However, the general rule of thumb is that your insurance rate won’t increase if the accident is not your fault. It’s essential to understand the terms and conditions for each auto policy because not all insurance policies are the same.

Our helpful team members work hard to explain each policy’s fine print to ensure the customer is well-informed. We carefully assess each person’s situation and recommend policies based on those needs. Not only do we assist our customers with purchasing the policy, but we also offer support and guidance throughout the policy’s lifetime. We can provide documentation submissions and assist with any future claims.

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If you are currently interested in acquiring insurance for your automobile, be sure to reach out to Mid Atlantic Insurance Financial, proudly serving the residents in and around the Laurel, MD, area. Call or stop by the office today and get answers to questions or consult with an insurance professional to learn more about coverage options in the services we provide.


Three priorities when you buy home insurance

Homeowners mustn’t underestimate the importance of making the right home insurance decisions. If you decide on a home insurance policy in Laurel, MD, we can help you at Mid Atlantic Insurance Financial. 

The following are three priorities you should focus on when buying home insurance. 

Factoring your home insurance premiums into your budget

Plan ahead regarding your finances to ensure you’ll pay your home insurance premiums on time every month. When you choose a home insurance policy, you should set out a budget to have a detailed financial plan and keep up with your homeownership expenses. 

Having complete coverage on your property

Getting complete coverage with a policy that offers replacement value coverage. Complete coverage on your property allows you to avoid a lot of financial risk as a homeowner. 

Understanding exactly what types of coverage you’re getting

Home insurance policies can potentially include a variety of different kinds of coverage. Not only does home insurance cover you for damage to your dwelling, but also damage to outbuildings and other personal property. Home insurance also provides coverage for medical bills resulting from injuries on your property. 

At the same time, home insurance doesn’t typically offer coverage for flood or earthquake damage. Be sure to read the fine print to know what coverage you’re getting and what coverage you’re not getting on your policy. 

At Mid Atlantic Insurance Financial, we are here to assist you with your home insurance needs. Contact us today to get a quote on a home insurance policy for your property in Laurel, MD.