Personal Automobile Insurance |
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Unlike most insurance agencies which represent only one or two insurance carriers, Insurance Management Associates represents many different auto insurance companies.
Consider these facts:
- Not all insurance policy coverage is the same.
- There are many carriers who want your business.
- Auto insurance rates can vary as much as 10-20% from one carrier to another.
Most personal auto insurance policies provide this coverage:
 Collision covers you for damage to your car in an accident, regardless of who was at fault.- Other Damage covers your car against damage from theft, glass breakage, falling objects, fire, lightning, flood and other hazards.
- Bodily Injury Liability covers the accidental injury or death of another person if caused by you in an auto-related accident. (The minimum requirements are $20,000 for bodily injury, $40,000 for each accident, and $15,000 for property damage.)
- Property Damage Liability covers accidental damage to someone else's property if caused by you in an auto-related accident.
- Medical Payments covers you and your family in any car, and anyone riding in your car, for medical expenses resulting from an accident.
- Uninsured Or Under-insured Motorist Coverage covers injury suffered by you, your family and anyone riding in your car against an uninsured, under-insured or hit-and-run driver.
- Defense Costs covers specific court costs, legal expenses and attorney's fees.
Let our professionals explain these changes to you and search for the best policy for your individual needs. We will work to find the best coverage at the lowest price for you.
Call us at 410-266-8888 or by e-mail so we can find which coverage best fits your needs.
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Is It Time To Update Your Policy?
All needs change over time. Your auto insurance needs may have changed since your current policy was written. Contact us to to be sure any new drivers are included, your liability limits are high enough and your deductible amounts are satisfactory.
Auto Safety Ratings
Which Cars Are Safest?
Which cars are the safest to drive? Which cars stand up best in an accident? What about repair costs?
The U.S. Department of Transportation provides safety ratings of various automobiles on its website SaferCar.org.
The Insurance Institute for Highway Safety is a non-profit organization sponsored by the insurance industry that provides information for reducing the losses from accidents. See the Insurance Institute for Highway Safety's safety ratings of various automobile makes and models on their website.
Consumer Reports provides results of its tests of various automobiles. See Consumer Reports test results.
These three sources have lots of information which can help inform your buying decision.
Rental Cars
Rental Car Special Information
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