Best Local Car Insurance Agencies in Germantown

Frequently Asked Questions

• Introduction

  A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
  

• Does Germantown follow no-fault laws in car accidents?

  No. Germantown follows Maryland's at-fault laws in car accidents. This means that the at-fault driver is responsible for compensating the injured for losses such as medical bills, pain and suffering, property damage, and missed wages. The liability insurance of the at-fault driver primarily pays for this compensation because each driver in the state is required to carry one. The minimum liability amounts are as follows:

  • $30,000 for each person's injuries or death.
  • $60,000 per accident.
  • $15,000 for property damage.

• In general, is getting car insurance in Germantown expensive?

  On average, it costs around $1,840 a year to get full-coverage car insurance in Germantown. This is slightly lower than the statewide average of $2,005. It is also about 17% lower than the $2,216 nationwide average. Insurance premiums are affected by factors such as the population in Germantown and its number of uninsured drivers, as well as how many claims have been submitted in the area.

• How do you report carjacking to the police in Germantown?

  Always call 911 to report a carjacking crime in progress. For an ongoing non-emergency incident, call the Montgomery County Department of Police at 301-279-8000 to receive an immediate response. If you need to submit a carjacking tip, dial 1-866-411-TIPS (8477). The MCPD 5th District Station is located at 20000 Aircraft Drive, Germantown, Maryland 20874.

• What can you do if your insurance in Germantown for Kia and Hyundai vehicles has been denied?

  File a complaint to the Maryland Insurance Administration by calling 1-800-492-6116. The MIA has reported that most major insurers in the state still continue to issue policies for affected Kia and Hyundai models. If you want to know which of these models are affected, call the dealership nearest Germantown. Reports of insurance denials came after a social media trend went viral, exposing the vulnerability of these models to theft.

• When should you get guaranteed auto protection (GAP) insurance in Germantown?

  If you have both collision and comprehensive coverage in your insurance policy, you can purchase GAP insurance as an option. It provides valuable coverage if you have a loaned or leased vehicle because it will reimburse the difference between the vehicle's actual cash value and the present remaining debt on your lease or loan. This is applicable when your car in Germantown is considered a total loss after a covered incident, such as theft and accident.

• What is car insurance?

  Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.