Car Insurance

10 Common Car Insurance Questions and Answers


At Jones Junction Body Shop & Collision Center we know our customers rely on their auto insurance to help get their vehicle repaired and back on the road. With each collision and repair that comes into the shop, we always inquire about car insurance. But whether we’re talking to customers who are currently insured, or those who are shopping for auto insurance, we constantly hear the same questions! So you asked, and we answered! Read on for our answers to the most common car insurance questions we receive at Jones!

1: Do I have to have car insurance?

Simple answer: YES.

It is illegal to drive without car insurance. If you do not carry car insurance and are pulled over, you will face significant repercussions with the law.

2: What is the difference between liability insurance and collision insurance?

  • Liability insurance protects other people and their property if you cause an accident in your vehicle. Liability insurance is mandatory in most states, including Maryland.
  • Collision insurance protects your car in case of collision with another vehicle, person, or non-moving object. It should cover your damage repair regardless of who was at fault in an accident.

3: What is comprehensive coverage?

Comprehensive insurance covers your car from theft and from “Acts of God.” Things like a tree falling on your car, or a deer jumping in front of your vehicle are considered Acts of God.

4: Does the color of my car affect my car insurance rates?

This is a very common misconception!

Insurance companies decide rates based on how much it will cost to repair or replace a vehicle, in addition to its safety features. While your make and model can affect your car insurance rates, the color will not! Feel free to pick that shiny red or bright blue paint, and have no worries that your choice in vehicle color will affect your rates!

5: What is a deductible?

When you apply for car insurance, you will want to know what your deductible options are. Your deductible is what you pay if you are involved in an at-fault accident. For instance, let’s say you have a $250 deductible. If you rear-end someone resulting in $3,000 worth of damage, you owe your $250 deductible and your insurance would cover the remaining $2,750.

6: I got a ticket; will my car insurance rates skyrocket?

If you just received a traffic or parking ticket, don’t stress too much about your car insurance rates rising. Depending on how clean your driving record is, your premium should not increase if the ticket was minor. However if your ticket is considered a serious offense, you are likely to see an increase.

The following are violations and tickets that will increase your car insurance rates:
  • DUI or other impaired driving
  • Refusing breath or blood test for impairment
  • Driving on a suspended license
  • Racing
  • Failure to stop after an accident
  • Reckless driving
  • Major speeding violations
  • Fleeing from the Police

7: Does my credit score influence my car insurance rates?

Car insurance companies have the right to look at your credit score and take it into account when compiling your rates. The University of Texas found that those with lower credit scores tended to incur more car insurance losses and higher claims payout. Studies like these are why auto insurers allow credit score to influence auto insurance rates.

If you are looking to lower your car insurance rates by raising your credit score, consider the following favorable factors to good credit score:
  • Long-established credit history
  • No late payments
  • All open accounts are in good standing

8: Is a luxury car more expensive to insure?

To put it simply, the higher the value of your car, the more expensive it can be to cover. A higher MSRP means a higher cost for the insurance company in the event of a total loss. It can also lead to higher costs and repairs, particularly on foreign models.

9: What happens if I hit my own car?

Accidents can happen anywhere at any time, and unfortunately, sometimes they occur too close to home. These types of collisions occur more often than you may believe! If you hit one of your own cars while driving another, you won’t be covered under liability insurance. However, if you have collision coverage on both vehicles, your insurance should cover the damages after your deductible.

10: What car insurance do I need in Maryland?

The minimum legal Maryland car insurance coverage is as follows:
  • Bodily Injury Liability Coverage: $30,000 minimum per person / $60,000 minimum per account
  • Property Damage Liability Coverage: $15,000 minimum
  • Uninsured Motorist Bodily Injury Coverage: $30,000 minimum per person / $60,000 minimum per accident
  • Uninsured Motorist Property Damage Coverage: $15,000 minimum
  • Personal Injury Protection: $2,5000 minimum
Car insurance can be confusing, considering there are so many choices and requirements. However, you can drive confidently when you’re covered by Jones Junction Insurance!
Need car insurance in Bel Air, MD? Click the link below to get a quote today!

Jones Junction Insurance


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