Personal Automobile Insurance

IMA Will Find The Right Coverage For Your Auto Needs

Car accident fender bender in Annapolis

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.

What Does Automobile Insurance Cover?

Most personal auto insurance policies provide this coverage:

  • Car crashCollision 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.

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

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




The contents of this web site are general in nature and not meant to provide specific advice based on your individual questions and needs. Viewing this website and communicating with us by electronic mail or making a general inquiry does not create a client relationship. By creating or maintaining this website, we do not enter into a client relationship with any person, firm, corporation or other entity visiting this site or reviewing or receiving any materials contained in or at this site.

The content of this website contains general information and does not necessarily reflect a complete statement on a given subject; may not contain the most current developments; and may not reflect the law applicable in the visitor's particular state or jurisdiction. You should be aware that contacting our firm through the internet is NOT considered secure and therefore you should not send confidential or sensitive information that may be illegally intercepted by others.


© Copyright 2009-2012 by Insurance Management Associates, Inc. All Rights Reserved.
Website Design © Copyright 2009-2012 by Workable Web Solutions, LLC. All Rights Reserved. E-mail address