Non-owner’s Car insurance Baltimore, Maryland MD

Reader’s Question:

I am from Baltimore, Maryland and I am frequently visiting my relatives here. I am spending a 3 month vacation at my aunt’s and I will be driving her car. Will a non-owner’s car insurance work for me?

Tara

Baltimore, MD

Hi there, Tara.

How sweet! It has been a long time since I have had a decent vacation. I did not get any last independence day since I travel all the time.

I too make use of a non-owner’s car insurance every time I am out of town. It is especially helpful when you drive a car that is not your own. You can have coverage for medical bills if you are injured in an accident while driving someone else’s vehicle.

You will find this helpful to have if you are not on your aunt’s policy or would prefer to possess a policy in your name. This kind of policy is a good investment especially if you do not stay in a place for so long, like me. The longest I stay in a single city is probably 3-6 months in an average. Before you choose any coverage, you need to take all other options into consideration prior to any purchase.

For me, this type of policy still remains to be the excellent choice for those whom drive cars other than their own. This is also for a driver who frequently drives a company car for his job. You would also want to get this kind of coverage if you intend to drive you aunt’s cars on a regular basis. This will give you and your aunt the peace of mind you both need. This is also good for a person who rents vehicles frequently. It is usually extremely expensive to buy liability coverage from car rental services.

You can contact any local auto insurance company in Baltimore, Maryland for more options based on your requirements and circumstances. Enjoy your vacation at your aunt’s!

Teen Car Insurance Silver Spring MD

Reader’s Question:

My teenage son is 20 years old and does not live in our house anymore in Silver Spring MD. He is not a student either. Can he still be insured under my policy?

Pam

Silver Spring, MD

Insurance carrier’s guidelines vary but since your son is not a student and no longer lives in your household it is possible that your insurance company would not continue to permit you to keep your son or his car on your policy.

Since your son is living in a separate residence some insurance carriers would not want to continue to insure her on the current policy. Many insurance companies will not insure cars from more than one household. Therefore he will probably have to buy his own policy for this car.

If your son’s car is still listed on policy you will need to speak with your insurance broker or agent in Silver Spring, MD if your insurance company will permit you to insure him since many insurers will not insure cars from more than one household on a single policy.

Property Damage Insurance Maryland MD

Reader’s Question:

In Maryland, what is the required person property damage amount?

Harold

Baltimore, MD

 

The state of Maryland requires minimum Bodily Injury Liability coverage of $20,000 per injured person up to a total of $40,000 per accident, and with a minimum limit of $15,000 for Property Damage Liability coverage. This is usually referred to as 20/40/15 basic coverage.

To help you protect against damages caused to you and your passengers by an uninsured motorist, Maryland state law requires a minimum Uninsured/Underinsured Motorist (Um/UIM) coverage of $20,000 per person up to $40,000 per accident for any bodily injury caused by the uninsured motorist.

To get more information on Maryland insurance laws , you may contact the Maryland Insurance Administration.