Month: July 2024

Crashes Are No Accident: Safe Driving in Maryland

Posted on by AgentInsure

If you drive a car, you are well aware that you must have auto insurance. Auto insurance will cover the costs of the other driver’s damages if you are declared to be at fault in an auto accident. If you live near the Laurel, MD, area and need an auto insurance policy, we invite you to call us at Mid Atlantic Insurance Financial. Our family-owned, independent agency has been proudly serving area clients since 2005.

Always Be Safety-Minded When Driving

When you’re driving, you should always be safety-minded. According to Zero Deaths Maryland (a division of the Maryland Department of Transportation), we believe auto crashes are no accident. Our data shows crashes can be avoided with simple preventative measures. These measures include wearing your seat belt whenever you’re in the car and never texting while driving.

Crashes Are No Accident

According to the Maryland Department of Transportation statistics, there were 300 auto fatalities in Maryland during 2023. So far, in 2024, there have already been 274 fatal crashes. Between 2018 and 2022, there was an average of over 29,000 crashes with injuries.

The Maryland Department of Transportation created the Zero Deaths Maryland campaign to educate citizens about how to avoid being one of those grim statistics. Their studies show that most crashes causing injury or fatality occur when people are distracted, impaired, inattentive, aggressive, or unbuckled.

Call Us Today for an Appointment

Mid Atlantic Insurance Financial is proud to be an independent agent. We will always provide you with a customized list of options. We will answer any questions about the best insurance choices for you and your family. Residents of the Laurel, MD, area will find that we are knowledgeable about auto insurance policies. Call us for an appointment today, and let’s work together to find your best possible coverage.

How a Non-Owner Policy Helps You Avoid Coverage Gaps

Posted on by AgentInsure

A gap in coverage makes auto insurance expensive for consumers. Many insurance agencies offer discounts for continuous coverage without any lapse because they see it as a sign of responsible driving.

At ALLConnecticut Insurance in West Hartford, CT, we believe you shouldn’t be in the dark about ways to save money on your insurance premiums. Many drivers drop their auto insurance policies when their vehicle breaks down and don’t have a car to drive, which is understandable. However, due to a gap in coverage, it can cost more to get insured again when buying a new car. One way to avoid this is to purchase a non-owner auto insurance policy, which could help you avoid coverage gaps.

What is a Non-Owner Policy?

A non-owner auto insurance policy provides a versatile solution for those who don’t drive regularly or own a car. It provides liability coverage for property damage and bodily injuries in a mishap, offering a level of protection that adapts to your needs. However, it doesn’t cover any damage to the vehicle you’re driving or your own injuries.

Non-owner policies aren’t just a solution to coverage gaps but also a financially wise choice. They are usually less expensive than a standard auto insurance policy, making maintaining insurance more affordable and avoiding a policy gap between vehicles. This allows you to stay protected without spending a fortune.

Do You Need a Non-Owner Policy?

Consider purchasing a non-owner policy in the following situations:

  • If you frequently borrow cars from others
  • If you use a car-sharing service or short-term rental
  • If you often rent cars

Give us a Call Today!

Just because you don’t own a car doesn’t mean you shouldn’t consider an auto insurance policy. Contact us today at ALLConnecticut Insurance in West Hartford, CT, at (860) 232-7076. Let us discuss non-owner coverage options to protect you financially on the road and avoid coverage gaps between cars, potentially saving you hundreds in the long term.

Liability Coverage and Homeowner’s Insurance

Posted on by AgentInsure

When Most Think about Insuring Their Home

When most people think about insuring and protecting their home, they think about protecting it from theft, storm, fire, and wind damage. Homeowners insurance is, of course, the primary method most individuals use to protect these homes.

A Serious Daily Threat to Your Financial Future

Many overlook another severe daily threat to your financial future. That’s the risk of being sued for an injury that might happen on your property. This is where liability coverage on your homeowner’s insurance policy plays such a significant role.

At Mid Atlantic Insurance Financial of Laurel, MD, we believe the better you understand your insurance coverage, the more likely you will choose us to safeguard your investment.

What You Should Know about Liability Coverage

Here’s what you should know about your homeowner’s insurance policy liability coverage.

You Have a Duty to Protect Visitors

Whether visitors are friends, relatives, neighbors, contract workers, or delivery people, you are responsible for ensuring their safety while on your property. You could be held financially accountable for injuries if they should get injured by a dog, slip and fall, or trip due to a loose rug or broken concrete.

This could be expensive in terms of settlements or judgments, and the associated legal costs could be devastating. Your homeowner’s insurance policy’s liability coverage can provide valuable relief.

While it can be easier to value your home’s structure, contents, and outbuildings, liability claims might be more challenging to calculate. Your liability coverage serves as your financial backup.

Learn More and Get a Quote Today

Learn more about the importance of liability coverage and get answers to your questions today. When you reach out to us at Mid Atlantic Insurance Financial of Laurel, MD, you will learn more about the liability aspects of your homeowners insurance and how they defend you. Contact us today.