Changing insurance companies doesn't invalidate the coverage you had during a previous policy period. You can still file a claim for damages that occurred within the policy period to your old insurer. To report a claim, simply call 1-800-492-7120 and click option 3 to view the claims. After you file a complaint with Maryland Auto, one of our qualified claims representatives will contact you within the next business day.
Equally important, insurance protects you, your passengers and your property from losses caused by bodily injury or property damage suffered in a covered accident. You should also think about changing your insurance if you buy a new vehicle or if you have to add a new driver, such as a teenager, to the policy, as these changes could cause premiums to increase. The final insurance policy premium for any policy is determined by the insurance company upon application. However, if you continue to maintain your coverage with the same insurance provider, you may eventually be eligible for loyalty rates and other discounts to reduce your premiums.
Kara McGinley was a senior editor and licensed home insurance expert at Policygenius, where she specialized in homeowners and renters insurance. According to studies by the Insurance Research Council, Maryland has an uninsured driver rate of approximately 12 percent, that is, more than 400,000 uninsured drivers on Maryland roads, or one in six cars. You can always cancel your policy with one auto insurance company and switch to another, even if you have a pending claim. Depending on the number of claims you've made, you could have trouble getting coverage from a conventional insurance company.
Maryland car insurance was created by the state of Maryland to keep residents on the road legally, safely and easily. If the damage occurs outside the policy period, your new insurance company will deny your claim. If you have rental vehicle reimbursement coverage, your claims representative can arrange to rent a vehicle while the vehicle is being repaired or replaced. Changing your insurance immediately after you file a claim won't allow you to avoid expensive premiums when you switch, and your rates will rise faster than if you had expected.
While you don't need to change your insurance every year, it's a good idea to consider if you're happy with your insurance company's rates, customer service, and coverage options. If you've had to make a claim or have one pending, Policygenius can help you find the best rates in your area.