Does My Auto Insurance Cover Theft?

Between your busy work schedule and taking the kids to various after-school activities, you have enough on your plate. With your head already full of everyday worries, adding auto insurance coverage to the list is the last thing you need to do. That is why it is important to do your research when deciding on an auto insurance policy. Choosing the right plan will ensure that you are covered no matter what happens. If you are concerned with specific scenarios within the Laurel, MD area, be sure to ask a representative at Mid Atlantic Insurance Financial.

Theft Coverage in Laurel, MD

Under Maryland state law, registered drivers are required to purchase policies that meet a number of specific minimum guidelines. Vehicle theft is not covered under these types of plans. Physical Damage Coverage, also known as comprehensive and collision coverage, will protect against any expense incurred from damage done to your vehicle or loss of the vehicle, itself. This includes damage to your car during an accident that you caused, theft of the vehicle, and vandalism.

Keep in mind that items stolen from your vehicle is a different situation altogether and may not be covered, even with the additional coverage. If someone were to break into your car and steal your personal items, you would not be able to file a claim for the loss. In many cases, only items that are actually affixed to the vehicle may fall under the umbrella of coverage. For example, custom parts that were added to the vehicle will be considered permanently fixed items.

Each state has its own rules and requirements when it comes to auto insurance, so be sure to look over all of your options in order to find the policy that best suits your needs. Contact Mid Atlantic Insurance Financial for more information on service in Laurel, MD.