Maryland Auto owners with Auto Insurance Coverage

Auto Insurance

Auto Insurance

Whether you're new to Maryland or a longtime resident, you don't want to get in trouble for not registering or insuring your vehicle properly. The State of Maryland requires you to prove you are insured even before registering your vehicle. Pohanka Insurance can help you make sure you get the minimum coverage you need, and any extra protection to meet your special circumstances.

State law will require you to purchase at least certain minimums:

  • Bodily injury ($30,000/person and $60,000/accident) and property damage ($15,000) for accidents where you are deemed at fault
  • Uninsured bodily injury ($30,000/person and $60,000/accident) and uninsured property damage ($15,000)
  • Personal injury protection, for your own injuries

You will be responsible for any damages that exceed those amounts, so you might want to consider a higher level of protection.

Full Coverage or Minimum?

Most people who elect to carry only minimum coverage are trying to save money, which can work against them if they are involved in an accident. Even if your vehicle isn't worth very much, you probably want to consider what else is offering by adding more coverage to your policy.

  • Higher limits -- If you are at fault in an accident, you are liable for anything your insurance doesn't pay. The minimum legal amounts won't go very far if you are in a serious accident.
  • Rental reimbursement -- When you are in an accident, you might have a hard time getting around while you wait to have your car repaired.
  • Roadside assistance -- For a small price, you can probably add roadside assistance, which will protect you if you need emergency towing, flat repair or other help.

You can always speak with your insurance agent about additional coverage you can add to your policy.

At Pohanka Insurance, we recognize that every vehicle owner has individual needs. Whether you are driving an older, used car or a brand-new vehicle, we can help you find the best coverage for what you need.

Our Trusted Partners

  • Bristol West
  • Foremost
  • Johnson and Johnson
  • National General
  • Progressive
  • Travelers
  • Universal Property and Casualty