Auto

Can You Use Auto Insurance for Golf Carts?

Posted on by AgentInsure

Golf carts make it easy to get around town, the golf course, or any large property. However, golf carts can also be expensive to repair or replace if they are damaged. Will auto insurance in Laurel, MD, help cover the cost?

Standard Auto Policies

Standard policies are typically designed for vehicles such as cars and trucks, rather than golf carts, which are often considered recreational vehicles. As a result, most policies do not cover them. However, some insurance companies may let you bundle policies to help save time or money. Contact an agent at Mid Atlantic Insurance Financial to learn whether your policy covers your golf cart. 

Home Insurance Policies

Contact your home insurance company if you primarily use your golf cart on your property. Recreational or liability policies are only required if you drive it on the road. These may not cover things like theft or damage from natural disasters. However, home policies often cover recreational vehicles that are damaged on the property. 

Golf Cart Coverage

You’ll have various coverage options available, just like you do with car insurance. If you drive your golf cart on the road, you need a liability policy with the state minimum requirements. You can also get collision or comprehensive coverage to ensure damage to your golf cart is covered, even if the accident isn’t your fault. Some policies may cover recreational vehicles that are parked on your property, even if you have homeowners’ insurance.

Golf cart owners in and around Laurel, MD, have several options when it comes to insurance policies. An agent at Mid Atlantic Insurance Financial will be happy to help you learn more. 

Minimizing Stress from Car Repairs After an Accident

Posted on by AgentInsure

If you’re a Maryland driver, state law requires you to carry auto insurance. Many drivers worry about finding a policy that offers maximum coverage at an affordable price. If you are in the Laurel, MD, area, our team at Mid Atlantic Insurance Financial can help you find the right solution. We’ve been assisting drivers like you since 2005.

Minimizing Stress from Car Repairs After an Accident

Being involved in a car accident can be overwhelming, and the need for repairs often adds to the stress. According to Maryland’s Attorney General, there are steps you can take to avoid being taken advantage of by a repair facility. For instance, it’s crucial to obtain a written estimate before agreeing to any repairs.

Additionally, the Attorney General recommends asking the repair shop whether they guarantee their work and whether they plan to use new or refurbished auto parts for the repairs. These precautions can help ensure you receive quality service.

Some auto insurance companies may suggest using a repair facility that works directly with them. However, according to InsuranceUS, you are not obligated to use the garage recommended by your insurance company. If you prefer another repair facility, ask friends and family for recommendations to find a trusted option.

Call Us Today for Your Appointment

Don’t delay purchasing auto insurance due to financial concerns. Our team at Mid Atlantic Insurance Financial can help you find a state minimum policy or explore additional options that fit your budget. Drivers in the Laurel, MD, area have trusted us for over 20 years. Call us today to schedule an appointment and let us help you find the perfect policy for your needs.

What are the advantages of combining auto and umbrella insurance?

Posted on by AgentInsure

Insurance policies, such as auto and home insurance, are acquired to protect individuals and their families from the financial impact of certain events. However, every insurance policy has a "policy limit" – the maximum amount it will pay in claims. In most cases, the policy limit is sufficient to cover your liabilities, but in the event of unusually high liabilities, the policyholder may be responsible for paying the amount exceeding the policy limit. This is where umbrella insurance comes into play, covering those overages. If you have questions about the benefits of umbrella or other insurance, feel free to contact our team at Mid Atlantic Insurance Financial, serving Laurel, MD.

Addressing Your Potential Liabilities

While most auto accidents are minor, some result in severe injuries or even death, leading to liabilities that exceed your policy limits. In such catastrophic accidents, those liable may be responsible for the difference between the total award and the amount paid by the insurance company. This could put their savings, home, or other assets at risk. This is where umbrella insurance proves its worth.

Umbrella insurance covers the liabilities that exceed your base auto or home policy limits. Since umbrella insurance is only activated in "worst-case" scenarios, claims are relatively uncommon, making the rates quite affordable. This means you can gain an additional layer of financial protection and tranquility at a reasonable cost, ensuring your accumulated assets are not put at risk due to unlikely but catastrophic events.

Working With Mid Atlantic Insurance Financial

Contact the Mid Atlantic Insurance Financial team serving Laurel, MD, to discuss how umbrella insurance can protect your family or business. We are ready to assist you, so stop by or call (301) 604-4444 to schedule an appointment.