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Although you are required to have bodily injury and liability coverage in Laurel, Maryland, it is usually best to obtain under insured motorist insurance to protect your own vehicle in case an accident occurs. The reason is simple: a driver may not have enough liability protection on his or her auto policy, so he or she may not be able to pay the full cost of repairs when an accident occurs.
Liability Protection
Even though every motorist in the state is required to obtain property damage liability, the cost of repairing or replacing your vehicle may exceed the minimum amount that the state requires. Depending on the cost of your vehicle, you may discover that they can only pay for a portion of the repairs.
The rest of the costs may end up coming out of your pocket. By obtaining under insured motorist coverage, your auto insurance policy will pay the difference so that the funds to finish repairing or replacing your vehicle are not coming out of your pocket.
Finding a Policy
When you recognize the potential risks associated with only carrying the state minimum, it is important to find the right policy to address all of your concerns. Working with an independent agent will help you find an appropriate policy based on the value of your vehicle, your concerns and the amount of coverage that you want to carry.
It is important to protect your vehicle from a variety of situations. The state minimum insurance is not always enough when another driver hits your vehicle and does not have enough coverage to pay for the damages. To learn more about your coverage options, contact us to talk to an agent.