Balderson Insurance is here to help you find the perfect Maryland car insurance Policy.  We may be able to help you save money on your MD car insurance while improving your coverage!  Please call us at (301) 874-0772 if you have any questions or are ready to buy your MD Car Insurance.

Car insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Car insurance provides property, liability and medical coverage:

• Property coverage pays for damage to or theft of your car.
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An car insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most car policies are for six months to a year.

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The six parts of an car insurance policy
Your car policy may include all 6 coverages or some of them. Each coverage is priced separately.

1. Bodily Injury Liability
   For injuries the policyholder causes to someone else.
2. Medical Payments or Personal Injury Protection (PIP)
   For treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an car accident.
3. Property Damage Liability
   For damage the policyholder caused to someone else's property.
4. Collision Insurance
   For damage to the policyholder's car from a collision. The collision could be with another car, a light post, fire hydrant, etc.
5. Comprehensive Insurance
   For damage to the policyholder's car that doesn't involve a collision with another car. Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
6. Uninsured Motorist Coverage
   For treatment of policyholder's injuries as a result of collision with an uninsured driver. Underinsured motorist coverage can also be included in an car policy. Underinsured motorist coverage comes into play when an at-fault driver has car liability insurance, but the limit of insurance is inadequate to pay for your damages.

Each state requires that you have certain types of coverages with minimum liability limits. The insurance industry recommends that your bodily injury liability limits be $100,000 per person and $300,000 per occurrence.

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