Does Maryland Car Insurance Cover Rental Cars?

Rockville, MD motorists often rent autos when they embark on long trips or need alternate vehicles while their cars undergo repairs. When driving a rented auto, it’s vital to make sure that it has adequate insurance. This is necessary to comply with Maryland law and avoid massive repair or medical bills.

Rules

Unlike some states, Maryland doesn’t require all auto plans to cover rental cars. Nonetheless, state law calls for all cars to have continuous coverage. Each policy needs to pay for both material damage and physical injuries. Motorists may face fines if they drive uninsured rental vehicles.

Policies

Coverage doesn’t always come from the same type of provider. A driver’s regular car or homeowners’ policy may cover a rented auto. On the other hand, you might need to pay extra for this coverage. Automotive clubs and credit card companies frequently offer this protection as well.

Rental agencies supply a variety of insurance products. When you rent a car, you can pay extra for medical, liability, collision or theft coverage. Keep in mind that an agency might sell you completely redundant insurance if you aren’t careful. Existing home, health, disability, renters’ or auto policies may already provide equivalent coverage.

Rental Costs

If you have car insurance, you can buy an optional rider that reimburses you for renting a vehicle when your auto suffers damage in an accident. This is a completely separate type of coverage; it doesn’t necessarily mean the same insurer will cover your rental car while you drive it.

Wellspring Insurance Network Inc. can help you find an affordable policy that covers rental autos. Our independent agency checks the rates of several major automotive insurers and finds the best plan for you. Please call 240-848-0355 to reach the Wellspring Insurance Network Inc. office in Rockville, MD.

Tips for Getting Your Home Prepped for Spring

The winter season is almost over in Rockville, MD and that only means one thing: spring is just around the corner. You may have spent the majority of your time inside during the winter but spring is a time for new beginnings and there are many things to do around your home to prepare. Use these tips from Wellspring Insurance Network Inc. to get started.

  • De-winterize your home. Like most people in the state, you likely took the time to winterize your home before it got too cold. If you did that, then you need to get it de-winterized for the warmer months as well. Call a professional to help you with this task.
  • Get some spring flowers. Nothing changes the look and feel of a place in the spring than some gorgeous flowers. You can get some for both inside your home and outside. you may even want to find some that will continue to bloom every year.
  • Do some spring cleaning. You do not have to clean the entire home or do big projects if you do not want to. You can just as easily do a smaller project that can make a big difference, such as dusting all over the home. Do what you can and you will be surprised by the difference it makes.

One of the best ways to ensure that your home is always ready for the season changes and anything else that may happen is to have a great home insurance policy. If you already have one, Wellspring Insurance Network Inc. can make sure you do not have any gaps in coverage. If you do not, the agency, serving Rockville, MD, can run you some quotes that meet your needs and fit within your budget.