1119 MD Route 3 North Suite 210 Gambrills, MD 21054  •  Licensed in MD,DC, and Va

 

PH: 410-721-6000

Fax: 410-721-5985

mthomas@Lighthouse-insurance.com

Auto Insurance

A car can be an essential part of our daily life.  You do your best to keep the car and the people in your car safe and sound.  Unfortunately accidents happen.  Here are some things to help you be prepared.  If you have any questions or would like an auto quote, please feel free to contact us.

Auto 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 auto insurance policy can provide the following:

  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 auto accident.
  3. Property Damage Liability
    For damage the policyholder caused to someone else's property.
  4. Collision
    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
    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 auto policy. Underinsured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.

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

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