Auto Insurance

Auto insurance protects your vehicle when you get into an accident. If you or someone else gets injured, insurance will cover some of your medical costs, depending on the coverage you get. What auto insurance covers depends on the policy you have. Riverside Farmers Insurance serves Maryland residents with all their auto insurance needs. Below are some of the most common types of coverage available.

Liability coverage

Almost every state requires a minimum amount of liability coverage. When you get into an accident, it is either your fault, the other driver's fault, or something out of everyone's control. When you are found at fault for the accident, your liability coverage compensates the other driver for vehicle damage and injuries. Along with taking care of the costs of property damage and injuries, liability coverage can help cover legal costs if you were to end up with a lawsuit due to an accident.

Comprehensive and collision coverage

If the other driver was liable for an accident, their liability insurance would be responsible for any repairs or medical costs that resulted from the accident. What happens if you are responsible for an accident? Do you have to pay out-of-pocket costs for damages to your vehicle? The answer is no. If you have collision coverage, insurance will take care of those costs for you.

Comprehensive coverage is similar to collision coverage, but it pays for damages from something other than a collision. The damage to your vehicle can come from anything ranging from fires to vandalism and theft.

Medical payments coverage

Medical payment coverage pays for any medical costs for you and your passengers resulting from an accident, whether you or another driver is responsible.

Uninsured/underinsured driver coverage

What happens if the other driver causes the accident, but they don't have enough or any liability insurance to cover the costs? If that is the case, your insurance will cover you through uninsured or underinsured driver coverage.

Get A Free Quote

To get an insurance quote, contact us at Riverside Farmers Insurance in Maryland.