No matter how safe of a driver you are, accidents happen. Vehicle repairs, property damage, and bodily injuries can all lead to a financial burden. Having the right auto insurance coverage in place can limit out-of-pocket expenses and, more importantly, provide financial protection for you and your family. The Kastendike Insurance Group offers car insurance coverage options to protect against risk exposure associated with damages.
From vehicles to motor homes to motorcycles, our comprehensive auto insurance solutions will provide you with financial protection against property, liability and medical costs if you are involved in an accident.
What Does Auto Insurance Cover?
Kastendike Insurance Group’s experienced insurance agents will discuss all of your auto insurance options for collector cars, family, and luxury vehicles to make sure you have the appropriate level of coverage for:
- Accidents
- Liability
- Potential medical bills
- Property damage
- Vehicle repair
When purchasing insurance policies through Kastendike Insurance Group, our team will help clients understand:
- Their level of coverage
- The maximum amount of protection each policy provides
- All terms of their vehicle insurance policy
- Any premiums and deductibles associated with the policy
How Much Car Insurance Do I Need?
Kastendike Insurance Group helps clients determine the right amount of car insurance coverage based on your needs, financial budget, and state requirements.
For instance, Maryland has the following minimum car insurance coverage requirements:
- $30,000 per person/$60,000 minimum per accident bodily injury liability
- $15,000 minimum property damage
- $30,000 per person/$60,000 minimum per accident uninsured motorist coverage
- $15,000 minimum property damage for uninsured motorists
- $2,500 minimum personal protection
Types of Auto Insurance Coverage
Collision and Comprehensive Coverage
If you’re involved in a collision, collision coverage will help pay for damages to your vehicle as well as the other vehicle involved, regardless of who is at fault. Comprehensive coverage offers loss protection against theft, vandalism, flood, fire, or other covered events.
If you select a higher deductible, you might be able to lower your premium. Additionally, older vehicles may not need certain coverages since they might be limited to your car’s cash value.
Liability Coverages
Liability refers to bodily injury and property damages. Bodily injury liability protects you or your family by paying for injuries or death resulting from an at-fault accident. Property damage liability helps to pay for accidents where the driver damaged property.
Medical Coverages
If there are medical costs associated with a car accident, medical coverage helps pay for
treatment, lost wages, or other expenses regardless of which party was at fault.
Coverage for Uninsured Motorists
In the event that an accident involves an uninsured driver, this type of coverage may help to provide compensation for your injuries or property damage.
Car Insurance Discount Eligibility
Although Kastendike Insurance Group offers some of the insurance industry’s most affordable car insurance policies, customers may be eligible for discounts based on the following criteria:
- No accidents on record
- Clean driving record
- Enrollment in multiple policies
- Good grades for teen drivers
Talk to Kastendike Insurance Group About Your Auto Insurance Needs
Partnering with Maury, Donnelly & Parr, The Kastendike Insurance Group boasts an impressive auto insurance portfolio. In fact, we even offer motorcycle insurance coverage and insurance policies for classic cars. Call us today at 443-501-9388 to discuss your car or personal insurance coverage needs.
