It was just my bad luck that my vehicle got stolen here in Maryland, I soon found out that not only did the thief cause substantial damage to my car, he also caused some damages to properties and other vehicle, would I be liable and will my auto Insurance cover me for this?

Sandy

Frederick, MD

It is very unfortunate for that to happen to you. Generally speaking, if your vehicle was stolen and the thief caused damage to the insured vehicle, your comprehensive auto insurance clause under your policy there in Maryland should be able to cover the necessary repairs or payments. Hopefully, you were able to file a police report immediately when this happened, since your auto insurance provider will definitely ask for one as proof of the car theft. If the person who stole your vehicle caused damage to properties or injuries to other people then you should not be held responsible for any repairs or re-reimbursement in this case.

Do keep in mind that you have to expect, and be prepared for a very thorough investigation about this since both the police and the insurance provider would want to make sure that you are truly not involved in what happened. There are a lot of cases of car owners who do manage to get into car crashes and flee the scene, claiming that their vehicle has been stolen (car insurance companies are well aware of how this is).

It might be possible for your insurance to cover damages caused by your vehicle through its property liability coverage. But with this scenario it is highly unlikely that your auto insurance provider will do so. In any case, now more than ever, is the best time to take out and review that auto insurance policy of yours.

After my DUI charge in Bethesda, Maryland, I understand that my auto insurance would likely go up because I need to get SR22 insurance along with it. I’m getting frustrated now because I can’t seem to find a low SR22 car insurance. What are the things that I can do to lower the cost of my SR22 auto insurance?

Helena

Bethesda, MD

There are a lot of things that you could do to actually lower the cost of your SR22 auto insurance after your DUI charge in Bethesda, Maryland. The first option that you have is that you could simply raise your deductible. If at all possible, you could try to obtain an auto insurance with a deductible of one thousand dollars. But if you are very much worried that you could not afford a higher deductible, then you might want to set aside any money you’re saving from using a lower premium deductible. While carrying an SR22 auto insurance form, you could lower your actual auto insurance. For you to be able to get the lowest possible auto insurance, you could actually lower your current coverage to the state required minimum.

The SR22 auto insurance is required by the Department of Motor Vehicles as a proof of financial responsibility. If you are getting frustrated because you can’t seem to find a low SR22 auto insurance, you might be surprised to find the lowest possible rate if you get an online rate quote now from this very website.