Car insurance baltimore
Overview: It can turn out to be a risk too high to take to drive your car without having proper auto insurance, given the density of traffic and high rates of auto accidents these days. An accident resulting in injury, loss of life and/or property may cost you dearly if you don't have enough insurance cover. This is of course, in addition to the various law issues that you'll have to deal with consequently. This fact is particularly true in the case of Baltimore in the state of Maryland which is rated as one of the highly congested as far as the road traffic is concerned. It is also made mandatory by law in Baltimore to carry a minimum amount of car insurance to be eligible to drive on Baltimore roads.
Types of car insurance coverage required in Baltimore
Liability insurance: This covers for the damages and losses caused to other people and their vehicles due to you in Baltimore. This includes medical and hospital expenses, compensations for their bodily damages, loss or damage to property and income lost due to their inability to work till recovery. The minimum levels of insurance needed in Baltimore in this category are $20,000 per individual and $40,000 per accident for bodily injury, and $15,000 per accident for loss or damage of property.
Personal injury protection (PIP) PIP which provides cover for you and those traveling with you in Baltimore, for services that can be rendered necessary, within one year after the occurrence of the accident. Though this coverage is more popular in no-fault states, it is important to have it in Baltimore as well though Maryland is a tort state. This is to be on the safer side should an injury occurs which leaves you unable to work during the recovery period. The minimum amount of cover required in Baltimore is $2500, though car insurance providers permit you to a maximum of $10,000.
Uninsured/underinsured motorist bodily injury coverage (UMBI) UMBI coverage ensures that your car insurance provider compensates for those expenses that would have normally be covered by the other person's provider if you get injured due to an uninsured motorist's car in Baltimore. The minimum required levels of coverage in Baltimore are $20,000 per individual and $40,000 per accident for bodily injuries and $15,000 per accident for property damage.
Other types of car insurance available in Baltimore
Collision coverage: this coverage provides cover against the damage caused to your car as a result of collision either with another automobile or other objects.
Comprehensive: This coverage provides cover against theft of your car or its parts. It also insures your car against damages caused to it due to natural disasters and also those due to hooliganism.
Penalties and fines
Driving without carrying proof of having enough car insurance in Baltimore can lead to the revoking of your car's registration and you'll have to return the license plates on your car, failing to do which can result in heavy fines and even a jail term. If you fail to renew your insurance policy in time, unintentionally, then you may do it at the earliest, as otherwise it will fetch you a fine of $150 for the first 30 days, followed by $7 for everyday from then on.
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