A CONSUMER GUIDE TO AUTO INSURANCE - Maryland

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A CONSUMER GUIDE TOAUTOINSURANCE

A CONSUMER GUIDE TOAUTOINSURANCEINSURANCE ADMINISTRATION

A CO N S U M E R G U I D E TO AU TO I N S U R A N C ETA B L E O F C O N T E N T SIntroduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1How to Shop for Auto Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1What Factors Impact Rates? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5What Discounts are Available? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8Basic Overview of Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10What Other Coverages are Available? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14Additional or Supplemental Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15Commonly Asked Questions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16Policy and Coverage Issues . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16Premium Increases, Nonrenewals and Cancellations . . . . . . . . . . . . . . . . . . . 29Claims Related Questions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37How to File a Complaint . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov

A CO N S U M E R G U I D E TO AU TO I N S U R A N C EINTRODUCTIONThe Maryland Insurance Administration (MIA) is an independent state agency thatregulates Maryland’s insurance marketplace and protects consumers by ensuringthat insurers and insurance producers (agents and brokers) act in accordance withinsurance laws. We produced this guide to help educate Maryland residents aboutauto insurance.The Insurance Administration is also responsible for investigating and resolvingcomplaints and questions concerning insurers that do business in Maryland.H OW TO S H O P F O RAU TO I N S U R A N C EComparison shopping is the key to getting the most for your insurance dollar.Consumers think nothing of price shopping for televisions, computer tabletsor appliances to save 20 or 30, but forget to shop around for auto insurancewhere hundreds of dollars can be saved. There are more than 150 auto insurers (orinsurance companies) licensed in the state that offer policies, so there are plenty ofplaces to shop.The best time to shop for insurance is BEFORE youpurchase a vehicle, trade in a vehicle, add driversto your policy or renew your policy.Here are some basic tips to follow when shopping for insurance:Before buying a car, determine your insurance costs. This is the first cost-savingsstep in purchasing auto insurance. When you are shopping around for a new orused car, be sure you factor in the cost of insurance as well. High-performancevehicles and newer vehicles are generally more expensive to insure.Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov1

A CO N S U M E R G U I D E TO AU TO I N S U R A N C EKnow what insurance coverage you are buying. Before you begin calling orshopping on the internet for price quotes, you should familiarize yourself withthe insurance coverage you are buying. It is important to know which coveragesMaryland law requires you to purchase and which coverages are optional.(Refer to other sections of this publication for more information).Seek additional information. Many resources offer information about insurance.In addition to referring to the Maryland Insurance Administration’s auto insurancerate guide, you may also seek information from consumer groups, consumerpublications and the internet.Check your Credit Report. Under Maryland law, insurers may not use your credithistory to decide if they will insure you, cancel you, renew you or increase yourpremium. However, insurers may use your credit history when you apply for coverageto determine what rate you will be paying for your auto insurance. Not all insurersuse credit history and you may obtain auto insurance through insurers that do not usecredit. For those insurers that do use credit, they are required to tell you at the timeyou apply for the insurance that they will consider your credit history. If you ask, aninsurer must tell you how much of your premium is as a result of your credit score.Credit reports are used to determine the type of financial risk you present.Reviewing your credit report will help inform you of your standing when youapply for certain credit and certain types of insurance, as well as allow you tocorrect any errors you identify. You are entitled to review your credit report atno charge once every 12 months. For questions or to make corrections to yourcredit report, you should contact the Federal Trade Commission, or any of thesecredit reporting agencies: TransUnion, Equifax, or Experian. The MIA’s web page,www.insurance.maryland.gov, under the tab Consumers/Other Resources, has a linkto enable you to access your credit report as well as your loss history report.For those insurers that use credit history to determine a portion of your premium,they are required to review your credit history every two years, or you can requestthe insurer to do so once during each policy term. The insurer may decrease yourpremium if your credit history improves. The insurer cannot use your credit historyto increase your premium at renewal even if your credit deteriorates from what itwas when you applied for your policy.2Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov

A CO N S U M E R G U I D E TO AU TO I N S U R A N C EDO COMPARISON SHOPPING Contact several insurers or contact an insurance producer*. Insuranceproducers have contractual arrangements with insurers to sell insuranceon behalf of the insurers. An insurance producer or insurance agencymay not represent all of the insurers offering coverage in your area, so itmay be worthwhile to contact more than one insurance producer whencomparison shopping. In either instance, your insurance policy is with theinsurer itself and not the insurance producer/insurance agency. Insurers,insurance producers and insurance agencies are listed in the Yellow Pagesand advertise in newspapers. * Under Maryland law, individuals and entities that sell, solicit or negotiateinsurance contracts (insurance agents and brokers) are referred to as“insurance producers.” Ask your relatives and friends for recommendations regarding purchasingauto insurance. In addition, some banks, employers and special interestgroups offer insurance directly to their members. The internet also provides a variety of insurance information. Manyinsurers have web sites and/or work with non-affiliated quoting vendors toprovide insurance premium quotes on-line.Ask for price quotes. In order to make an apples-to-apples price comparison,you must provide the same information to each insurer or insurance producer.The following information is normally requested: make/model/year of the vehicleyou wish to insure, average annual miles driven, your home address, the types ofcoverages and limits for those coverages that you wish to purchase and drivingrecord (accidents or violations) of the vehicle operators. This information isrequired to provide you an accurate quote. (Refer to the Maryland InsuranceAdministration’s Auto Insurance Comparison Guide to Rates to obtain informationabout sample rates.)Ask about deductibles. A deductible is the amount you agree to be responsiblefor in the event of damage to your vehicle (i.e. accident, fire or vandalism). If youselect a high deductible, you will pay more money out-of-pocket for any damage;however, your insurance premium should be lower.Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov3

A CO N S U M E R G U I D E TO AU TO I N S U R A N C EAsk for discounts. Again, to help keep the cost down, ask what discountsthe insurer offers. Make sure you provide all information that may result in adiscounted premium (e.g. security devices, safety devices, good driving record, goodstudent, defensive driving courses, multi-vehicle or multi-policy discounts, etc.).(See pages 8-9 for additional information.)Ask about fees. Ask your insurance producer if they charge a fee for making apremium payment with a credit card. They are permitted to charge the actualexpenses incurred when a premium payment is made using a credit card, providedthe amount of the fee is disclosed.Protect yourself from insurance fraud. Once you have selected an insurer, contact theMaryland Insurance Administration to verify that the insurer is licensed to sell insurancein Maryland. It is illegal for unlicensed insurers to sell insurance. If you choose to use aninsurance producer, also verify that the insurance producer is licensed.Financing Insurance. Not everyone can afford to pay their insurance premiumsupfront; therefore, many insurers offer installment plans. In addition, yourpremium may be financed by a premium finance company in exchange for youragreement to pay interest and service fees.Whether you choose an installment plan or a premium finance company, ask thefollowing questions before buying the policy: How much is the down payment? How much are the monthly payments? How many months will payments be made (i.e. six or 12 months)? How much is the total payment over the period of the policy? Is a premium finance company financing the payment? What is the interest rate on the premium payments (if the payments arefinanced)? What other costs or fees are associated with financing the premium? Does the insurer offer an installment plan? Is there an installment chargeor service fee?4Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov

A CO N S U M E R G U I D E TO AU TO I N S U R A N C EOther considerations. Price is an important factor in selecting an auto insurer;however, other factors also deserve consideration. Some consumers prefer to deal withan insurance producer that has an office in the same community or with an insurerthat has a claims office nearby. Customer service is another important consideration.Also, you may want to know how long the insurer or insurance producer hasbeen operating in Maryland, how quickly claims are processed and how oftencomplaints were filed against the insurer or insurance producer. Some of thisinformation may be obtained directly from the insurer or insurance producer. Youmay also contact the Maryland Insurance Administration in writing to obtain somecomplaint information. Additionally, closed complaint information is available on theNational Association of Insurance Commissioner’s (NAIC) Consumer InformationSource which can be accessed on the NAIC’s website www.naic.org/index consumer.htm.W H AT FA C TO R SI M PA C T R AT E S ?When you apply for auto insurance, the insurer will ask for information about youto evaluate your individual risk characteristics. These individual risk characteristicsassist insurers in predicting the likelihood that you will be in an auto accident inthe future or will file a claim for damages. Insurers evaluate these characteristics todetermine whether their guidelines, known as underwriting guidelines, permit themto write a policy for you.If the insurer’s underwriting guidelines permit a policy to be written for you, the insurerwill then determine your premium (cost) based on your individual risk characteristics.Some risk characteristics that insurers rely on to determine rates include:Your driving record and claims history. Insurers are generally prohibited fromrefusing to issue a policy or increasing your policy premium based on traffic accidents,traffic violations or claims that are more than three years old. Insurers may considertraffic accidents, traffic violations and claims that are older than three years forthe purpose of determining eligibility for, or the amount of, a premium discountprogram. If your driving record or claims history is less than perfect, you may beconsidered a higher risk and may not be eligible for a premium discount.Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov5

A CO N S U M E R G U I D E TO AU TO I N S U R A N C EGeographic area. The number of claims filed by policyholders in your geographicarea affects the rates charged by insurers. Counties or zip codes are commonly usedgeographic areas.Gender and age. Your gender and age will impact your rate. Youthful operators andolder operators will generally pay more for their insurance.Marital Status. Married individuals generally have a lower incidence of accidentsand claims. Therefore, married individuals generally pay lower premiums thansingle people. If your spouse passes away, an insurer cannot increase your premiumssolely for that reason.Prior insurance coverage. Most insurers ask about your insurance history, includingwhether or not you currently have coverage or whether or not you have ever beencancelled or nonrenewed. Some insurers require individuals to pay higher premiumsif there has been any lapse in insurance coverage. However, insurers are prohibitedby law from denying insurance because an applicant was previously insured by theMaryland Automobile Insurance Fund (MAIF) dba Maryland Auto Insurance.Annual mileage. Insurers will also calculate your premium based on the averagedistance you drive on an annual basis. If your annual mileage is high, then insurerswill consider you a greater risk and will charge you a higher premium.Age, make and model of vehicle. Premiums are also based on your vehicle’s age,make, model and value. Certain makes and models of vehicles – when involved inaccidents – generally result in greater levels of bodily injury, sustain greater levels ofdamage, or are more difficult and costly to repair. Insurers charge a higher premiumto insure those makes and models.6Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov

A CO N S U M E R G U I D E TO AU TO I N S U R A N C ECredit history. Some insurers review an individual’s credit history whendetermining that person’s premium. For instance, bankruptcies, late payments, andthe number of credit cards you have may result in a higher premium. Insurers mustfollow specific laws when using a consumer’s credit history to underwrite or rate anauto insurance policy.Those laws state that an insurer may not: increase a renewal premium based on the credit history of the insured; apply a surcharge or discount of more than 40% based on credit history; or use the following factors to rate a policy: the absence of or inability toobtain credit history, the number of credit inquiries, or any factor that ismore than 5 years old.Additionally, you have the right to request that your insurer recheck your credithistory once per policy period. If your credit history has improved, the renewalpremium may be reduced. However, if your credit history has deteriorated, thisinformation cannot be used to increase your premium.You can review your credit report(s) when you apply for certain credit and certaintypes of insurance, and correct any errors you discover. You can review these reportsat no charge every 12 months. For questions, to make corrections to your creditreport, or to access information about how to obtain free copies of your creditreports, you should contact the Federal Trade Commission at www.ftc.gov.Compare the premium you are paying to what another insurer might chargeyou. Refer to our Automobile Insurance: A Comparison Guide to Insurance Rates atwww.insurance.maryland.gov or call 800-492-6116 to obtain a copy. Make sure youcompare policies that have the same coverage.Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov7

A CO N S U M E R G U I D E TO AU TO I N S U R A N C EW H AT D I S C O U N T SA R E AVA I L A B L E ?Many insurers offer discounts. You should ask your insurer or insurance producer aboutany available discounts before purchasing or renewing your auto insurance policy. Notall insurers offer the same discounts but some of the most common ones include:Good driving record. Insurers may consider past traffic accidents and trafficviolations in determining your eligibility for, or the amount of, a premiumdiscount. By law, an insurer must offer a discount to an individual who has not hada moving traffic violation with more than one point, or any traffic accident in theprior three years and who has had continuous coverage with that insurer during thattime period. If your driving record is less than perfect, then you may be considereda higher risk and might pay a higher premium.Safety devices. Frequently, discounts are offered for devices that limit bodily injuryor property damage caused by accidents. Such devices can include anti-lock brakes,automatic safety belts, or air bags.Anti-theft devices. Car alarms and other theft-deterrent devices may also result in adiscount.Multiple policies. Although an insurer cannot require you to buy a homeownersinsurance policy when you purchase an automobile insurance policy, some insurersoffer discounts to policyholders who purchase both automobile and homeownerspolicies. In addition, insurers may offer discounts if you have more than one vehicleinsured with the insurer.Good student. Many insurers offer discounts to students who maintain at least a Baverage.Driver Education Courses. Many insurers offer discounts for the completion ofdriver education and/or driver safety courses.Renewal Discount. Some insurers offer a discount to policyholders who havemaintained continuous coverage with the insurer for a specified number of years.8Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov

A CO N S U M E R G U I D E TO AU TO I N S U R A N C EDriver Monitoring Programs. Some insurers may offer discounts on your autoinsurance premium if you participate in the insurer’s program to monitor operationof your vehicle. Some programs may require you to install a monitoring device inyour vehicle, while others may require you to agree to use the insurer’s smartphonebased monitoring program. Although your insurer may offer this program, generallythey cannot require you to have one of these devices installed in your vehicle.Insurers can consider the information collected from the monitoring device indetermining your premium. For example, if the device indicates that you generallyexceed the posted speed limit, the insurer may conclude that your driving habits arehigher risk and may use this information to increase your premium. If your renewalpremium is increased based on the data collected, your insurer must provide awritten explanation of what specifically caused the increase.Memberships or employment discounts. Insurers may offer discounts tomembers of certain organizations such as credit unions, shopper’s clubs, or alumniassociations. You also may be eligible to receive a discount through your employer.Review your deductible. The deductible is the amount you agree to pay in the eventyour vehicle is damaged. Raising the deductible on your policy generally will decreaseyour premium. If you select a high deductible, you will pay more money out ofpocket for any damage; however, your insurance premium generally will be lower.Consider whether you want to maintain comprehensive and/or collisioncoverage. If your vehicle is older and has been paid off, you may want to considerdropping these coverages to reduce your premium. However, if you drop thesecoverages and your vehicle is damaged in an accident that you cause, or if it isstolen, vandalized or you collide with an animal, you must pay for the repair.Options for High-Risk DriversIf you have speeding tickets, accidents or other violations, someauto insurers will consider you a high-risk driver and may not sell youan insurance policy. However, auto insurance coverage is requiredunder Maryland law. A high-risk driver does have options. Someinsurers and independent insurance producers specialize infinding coverage for high-risk drivers.Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov9

A CO N S U M E R G U I D E TO AU TO I N S U R A N C EAlternatively, Maryland residents who have been turned down forcoverage from at least two private insurers may seek coverage fromthe Maryland Automobile Insurance Fund (MAIF) dba Maryland AutoInsurance. For additional information, please call 800-492-7120, orvisit the MAIF web site at www.mymarylandauto.com.BASIC OVERVIEWOF COVER AGEAuto insurance coverage may include several types of protection. However,state law requires all registered vehicle owners to purchase certain minimumprotections or coverage levels. Many drivers purchase more than the minimumrequirements to protect themselves from high repair bills, medical expenses andlawsuits. Consumers who choose to purchase coverage above the state’s minimumrequirements may pay higher premiums.LIABILITY INSURANCELiability insurance protects policyholders when they have caused an accident.There are two types of liability coverage that are required by state law: bodily injuryliability coverage and property damage liability coverage.The minimum amount of liability coveragerequired by Maryland Law is: 30,000 for bodily injury per person 60,000 bodily injury per accident; and 15,000 property damage10 Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov

A CO N S U M E R G U I D E TO AU TO I N S U R A N C EBODILY INJURY LIABILITY INSURANCEIf you cause an accident and an injured person makes a claim or files a lawsuitagainst you, bodily injury coverage will: Pay for a lawyer to defend you if you are sued; and Pay the amount of medical expenses, lost wages and pain and sufferingthat you are legally responsible to pay to another person (up to the policylimits); or, Pay an amount to settle these claims (up to the policy limits) .In other words, if the claim for bodily injury is covered by your policy, the insurerwill pay the claim up to the dollar limits of the coverage you purchased; you wouldonly need to pay if the claim exceeds the policy limit or if the claim was not coveredunder the terms of the policy .PROPERTY DAMAGE LIABILITY INSURANCE:If you cause an accident that damages someone’s property (such as their car) andthe property owner makes a claim or files a lawsuit against you, property damageliability coverage will: Pay for a lawyer to defend you in the eventthat you are sued; and Pay the amount of physical damage that youcaused to vehicles or property that you do notown (up to the policy limits); or, Pay an amount to settle these claims (up tothe policy limits) .In other words, if the claim for property damage is covered by your policy, theinsurer will pay the claim up to the dollar limits of the coverage you purchased; youwould only need to pay if the claim exceeds the policy limit or if the claim was notcovered under the terms of the policy .Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov11

A CO N S U M E R G U I D E TO AU TO I N S U R A N C EOther people, such as family members or others operating your vehicle, may also becovered under your insurance policy’s bodily injury or property damage coverage.Family members are generally covered if: they are listed on the policy as drivers,they are driving your car with your consent, and they are not otherwise excluded byyour policy’s terms. If you are unsure whether a potential driver would be coveredunder your policy, read the terms of your policy or call your insurer or insuranceproducer before you let that person drive the car.Note: While state law establishes the minimum level of liability coverage, consumersmay choose to purchase more coverage. Higher limits of coverage provide moreprotection against repair expenses, medical expenses and legal judgments – all ofwhich might be higher than the minimum coverages required by Maryland law.Higher limits can also provide a higher level of protection for your assets in the eventyou cause an accident that results in significant injuries or damages.UNINSURED MOTORIST (UM) COVERAGEUninsured motorist coverage will protect you if someone driving without insurancecauses damage to your property or injures you or your passenger(s). Coverage alsoapplies when an automobile damages your vehicle or injures you and leaves the sceneof the accident without being identified. This type of coverage includes damage toyour property, as well as the loss of the use of the insured vehicle (e.g. reasonablerental car expenses), medical expenses, lost wages, and pain and suffering.The minimum amount of uninsured motorist coveragerequired by Maryland law is: 30,000 for bodily injury per person; 60,000 bodily injury per accident; and 15,000 property damage.In Maryland, UM coverage also includes underinsured motorist coverage, which isknown as UIM coverage. It provides you with bodily injury and property damageprotection in the event you are involved in an accident where the at-fault driver has aninsurance policy with liability limits that are less than your UM limits, and your injuriesexceed the at-fault driver’s available limits. You then can claim the difference under yourown insurance policy.12 Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov

A CO N S U M E R G U I D E TO AU TO I N S U R A N C EInsurers also offer Enhanced Underinsured Motorist Coverage. Talk to your insurer orinsurance producer to find out what is included in this coverage.PERSONAL INJURY PROTECTION (PIP)Up to the specified dollar amount of your coverage, PIP coverage will reimburseyou (or others named on your policy) for reasonable and necessary medicalexpenses resulting from an auto accident, as well as lost wages. This reimbursementwill be made regardless of who caused the accident.PIP coverage can be denied if claims are not properly and timely filed with yourinsurer. Therefore, it is important to contact your insurer or insurance producerimmediately after an accident has occurred and request PIP forms.Maryland law requires insurers to offer their policyholders at least 2,500 in Personal Injury Protection (PIP) coverage.You may elect to purchase limited PIP coverage and certain individualsmay be able to fully reject PIP coverage. Consult your insuranceproducer or insurer for a thorough explanation of all of your options.Because PIP coverage may duplicate an individual’s health care coverage, someconsumers choose to waive PIP if they feel they have adequate health care coverageand/or can afford to pay for medical treatment. You should check your health carepolicy and consult your insurer or insurance producer about this coverage. Althoughwaiving PIP results in a lower premium, you should keep in mind that PIP also pays lostwages and your household members’ medical expenses, which are not covered underhealth care policies, up to the limit, which is typically 2,500. Your insurer may offerhigher PIP limits at an increased cost.Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov13

A CO N S U M E R G U I D E TO AU TO I N S U R A N C EW H AT OT H E RCOVER AGES AREAVA I L A B L E ?Physical Damage Coverage, also referred to as comprehensive and collisioncoverage, is the most commonly recognized coverage as it protects you fromexpenses related to damage or loss of your vehicle (e.g. accidents that you cause,theft or vandalism).Although Maryland law does not require you to purchase physical damage coverage,often banks and other financial institutions that lend you money to purchase yourvehicle or lease you a vehicle will require that you purchase both collision andcomprehensive coverage to protect their interests in the vehicle.Collision Coverage pays to repair your vehicle or pays you what your vehicle wasworth right before an accident occurred. (If your insurer determines the vehicle isa total loss, this means that the cost to repair the vehicle exceeds, or is expected toexceed, 75% of the value of the vehicle). Collision coverage is provided regardless ofwho caused the accident.Because collision coverage is usually the most expensive component of your autoinsurance premium, many people may choose to purchase collision coverage with ahigh deductible.Generally, your premium decreases as the amount of the deductible increases.For example, if you hit a pole and the resulting damage to your vehicle is 1,200and your deductible is 500, then the insurer will pay 700 and you will pay thebalance of 500. On the other hand, if you purchased collision coverage with alower deductible or no deductible, then you would pay less towards the repair costs,but you would pay a higher premium.Comprehensive Coverage (also known as Other Than Collision) pays for damage toyour car resulting from causes other than an accident, such as vandalism or theft. Aswith collision coverage, choosing a higher deductible may lower your insurance cost.14 Maryland Insurance Administration 800-492-6116 www.insurance.maryland.gov

A CO N S U M E R G U I D E TO AU TO I N S U R A N C EADDITIONAL ORS U P P L E M E N TA LCOVER AGEAdditional coverages are available that can supplement your insurance policy .Medical Payments Coverage pays for medical expenses and related costs for youor others injured or killed while riding in y

AUTO INSURANCE Comparison shopping is the key to getting the most for your insurance dollar . Consumers think nothing of price shopping for televisions, computer tablets or appliances to save 20 or 30, but forget to shop around for auto insurance where hundreds of dollars can be saved . There are more than 150 auto insurers (or

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