Auto Insurance: Does Yours Protect Your Investment?

If you have a vehicle, you need insurance for it. Fortunately, there are options for auto insurance in Calvert County and the surrounding area. At Monterey Insurance Group, Inc., we offer the help and guidance you need to get a policy that is going to work for your needs, vehicle, and lifestyle. How you use your car or truck, the mileage you put on it every year, and a lot of other factors all matter for protecting the investment in your vehicle through the right insurance policy. When you work with a knowledgeable agent, you can get what you need for good protection and plenty of peace of mind.

One of the problems with auto insurance is that people get it and then forget about it. They do not make any updates to it over time, even if their situation changes. That can lead to them not being covered the way they expect to be. If they have a claim, they may not be protected at the level they needed to be. But you can avoid that by making sure your auto insurance is what you need and require. Your agent can tell you if your policy offers the kind of protection you should have, or whether you might need more than you currently have actually to be fully protected when using your vehicle.

Reach out to us today at Monterey Insurance Group, Inc. and protect your Calvert County area vehicles the right way. By working with us, we can help you get the proper coverage for a car you just bought or one that you have had for a long time. Then your peace of mind will be real, and your insurance coverage will be what you need to honestly and ultimately protect the investment in your vehicle.

Do You Need Full Coverage Auto Insurance?

The purpose of auto insurance is to protect you against financial ruin in the event you are involved in an accident. A full coverage auto insurance policy from Monterey Insurance Group, Inc. in Huntingtown, MD will provide this type of protection. Before getting auto insurance, take time to review what full coverage has to offer.   

Understanding Full Coverage Insurance

Most full coverage auto insurance policies offer liability, comprehensive, and collision protection. Some include uninsured motorist and medical payments in their full coverage package. Under full coverage, your insurer will pay for:  

  • Damage to others in an accident you cause. This liability coverage includes medical expenses and property damage up to the limits on your policy. If your accident causes injuries or damages above the limits of your policy, you could be held liable for the remaining costs. Paying more for higher liability limits will help protect your financial assets.
  • Damage or market value of your vehicle under collision coverage. You’ll have to subtract your deductible if you’re found at fault for the accident. Comprehensive insurance covers theft, vandalism, and damage caused by adverse weather and natural disasters.
  • Injuries sustained by you or your passengers up to the limits of your medical payments coverage.
  • Injuries sustained by you or your passengers due to being hit by an uninsured driver per the limits of your uninsured motorist coverage.

Do You Need Full Coverage?

If you’re financing a new vehicle, your lender may require you to have full coverage. Even if your new vehicle is paid off, full coverage insurance will protect your costly investment. Full coverage auto insurance comes with a higher premium, but the protection you receive will more than offset these costs.

To learn more about full coverage auto insurance policies and costs, contact us at Monterey Insurance Group, Inc. in Huntingtown, MD.

What Car Insurance is Required in Maryland?

No matter where you live in Maryland, you’ll want to make sure you have the right kind of car insurance. At Monterey Insurance Group, Inc. in Huntington, MD, we can help. Whether you’re new to the state or new to driving, our independent insurance agents will have you equipped with the proper insurance in no time!

Just Moved to Maryland?

Those who are new to Maryland need to be aware that the rules and regulations for car insurance in Maryland may be different from those in their previous state. To register your car here, you’ll need proof of insurance.

Additionally, before you can register your vehicle, your vehicle must pass the Maryland State Inspection. During the inspection, your vehicle must show that it is up to Maryland’s safety standards. Every county in Maryland has authorized inspection stations, so you’ll need to find one near you.

Required Maryland Car Insurance

All Maryland residents must make sure they meet the minimum legal Maryland auto insurance requirements. You can also add additional coverage to fit your needs.

In Maryland, you must have:

  • Bodily Injury Liability Coverage: $30,000 minimum per person and $60,000 minimum per accident
  • Property Damage Liability Coverage: $15,000 minimum
  • Uninsured Motorist Bodily Injury Coverage: $30,000 minimum per person and $60,000 minimum per accident
  • Uninsured Motorist Property Damage Coverage: $15,000 minimum
  • Personal Injury Protection: $2,500 minimum (However, in Maryland you can choose to waive this protection and choose limited PIP instead.)

If you need car insurance in Maryland, call the independent agents at Monterey Insurance Group, Inc. in Huntington, MD today. They can help find you the coverage you need to get you on the road!

What Should I Do if I Am Injured in an Auto Accident?

Driving a vehicle is a very common practice that always comes with a little bit of risk. While most accidents are minor, there are situations in which you may sustain personal injuries. For those that are in the Huntington, MD area and are injured in a car accident, here are several tips and steps that can help you in the long run.

Get Medical Attention

If you are injured in a car accident, the most important thing that you need to do is get proper medical attention. Even minor injuries could be symptoms of more serious underlying problems. Because of this, it would be wise to get checked out after an auto accident.

Police Report

If you have the opportunity to do so, you should also have a police report filed as soon as you can. If you do not immediately go to the hospital, you should contact the local police to fill out a full report and ensure that all drivers are properly insured. 

Contact Your Insurance Company

Finally, after you have been injured in an auto accident, you should contact your auto insurance provider. If you are not determined to be at fault in an accident, your auto insurance provider will be able to work with the other party’s insurance company to ensure that your medical bills and auto damage are fully covered by the insurance policy. 

Since your car is such a valuable asset, having a quality auto insurance policy in place is very beneficial. For those that are in the Huntington, MD area, working with the Monterey Insurance Group, Inc. would be beneficial. Monterey Insurance Group, Inc. can help to provide you with a great policy and can also provide you with support if you are ever in an auto accident. Reach out to us for more information and try our online rating tool for a quote on auto insurance.

How Will a Traffic Ticket Affect Your Auto Insurance

Calvert County residents who have one or more auto tickets may be wondering how these tickets will affect their current auto insurance policy or their ability to find a new auto insurance plan. Below, we’ll discuss how traffic tickets affect auto insurance and what you need to know about monthly premiums despite having tickets on your record.

Is Insurance Affected by Traffic Tickets?

Essentially, auto insurance providers want to know that you’re not going to get into an accident. After all, when they are your insurance provider, and you get into an accident, this is when they have to start paying money out.

Naturally, they don’t want to do this. This is their business, and that’s just the way it works. There’s no way auto insurance companies could make any profit if they were constantly paying for people’s accident. As a result, if they can be confident that you’re not going to get into an accident, they will inevitably lower your rates and give you better coverage.

The opposite is true as well.

That is, if insurance agencies see that you’ve been in accidents before, they’re less likely to give you the best rate. Agencies use statistics to look at how likely you are to get into it an auto accident, and they adjust their premium rates for your auto insurance plan accordingly.

Contact Monterey Insurance Group, Inc. in Huntingtown, MD Today

If you are a Calvert County Maryland resident, Monterey Insurance Group, Inc. in Huntingtown, MD can help you navigate your insurance policy if you have had a traffic ticket (or multiple tickets). We can also help you find a brand new auto insurance plan.

To learn more about your auto insurance options, give us a call today, or feel free to stop by our nearest location. One of our knowledgeable insurance agents would be happy to sit down and speak with you. Also, try our online rating tool for quotes on car insurance from home.

5 Things to Do When You’re In a Fender Bender

Your friendly agent at Monterey Insurance Group, Inc. is here to help you through all the problems in life, including those minor fender benders you might encounter in the Huntingtown, MD area. In order to protect yourself and your savings account, here are 5 things to do when your day isn’t quite going right:

  1. Call the Police: No matter if it’s just a ding and scraped fender, if you are involved in a traffic accident with another vehicle, report it to the police department immediately. That police report can prevent a scammer from providing false information to their and your insurance company.
  2. Take Pictures or Notes: Your smartphone is a great tool! Use the camera to record images of driver’s licenses, license plates, the intersection, and the damage to all the vehicles. You may want to snap a pic of the other driver. If you don’t have a camera, write down everything that you see.
  3. See Your Doctor: If you feel like you have a bruised knee, it’s a good idea to have your doctor check it out. Many injuries don’t surface until after that adrenaline rush comes down. Don’t tell the police or the other people, "I’m fine," until an expert agrees with that assessment.
  4. Call Your Insurance Company: It’s just a quick call to the folks at the Monterey Insurance Group, Inc. to report the incident, and if the other person comes after you, your insurance agent will have the right information to defend you.
  5. Notify Your Employer: Even if you don’t skip a day immediately, should that head injury become more severe, it will help both your Huntingtown, MD area insurance agent and your employer to process any claims when they have accurate dates of the accident that caused you to lose days of work.

The agents at Monterey Insurance Group, Inc. can help you find an auto insurance policy to deal with those repairs on your car as well. Reach out to us by phone or visit our office to learn how to start an auto policy today.