Understanding Auto Insurance​

Please select from one of the following categories or learn more below about consumer alerts, general information, specialty auto insurance policies​, teen drivers, and more. ​While the Maryland In​surance Administration does not sell insurance and we cannot recommend a particular policy or insurance company, we do want to help you learn what types of coverage are available. Additionally, we are here to assist you if you have a complaint​ involving an insurer, an insurance producer, public adjuster or adviser.​

REMEMBER: IT IS AGAINST THE LAW TO DRIVE UNINSURED!​​​​

General Information:

• ​​​​Consumer Guide: Auto Insurance​ (en Español​​)​
  
• Auto Insurance: A Compariso​n Guide to Rates​
  
• How to File a Claim
  
• Understanding your Premiums and Rates
  
• How to Choose an Insurance Producer
  
• ​Understanding Policy Cancellations/Non-Renewals​
  
• Tips on​ Shopping for Automobile Insurance​
• ​Understanding Your Automobile Insurance Declarations Page
  
• Specific information for Military Personnel
• Specific Information for Young Adults/New Drivers/College Students​

Specialty Auto:

• ATV/UTV Insurance​
• Boats and Personal Watercraft Insurance​​
• Motorcycle Ins​urance​
  
• GAP Insura​nce​
  
• Laws for Owners of Mopeds and Motor Scooters 
• Recreational Veh​icle (RV​) Insurance
  
• Lists of companies that offer specialty auto insurance policies​
  

Consumer Advisories:

• Predatory Towing - Use caution after a vehicle accident or mechanical failure that requires towing assistance​​
  
• Deer-Vehicle C​ollisions: Deer don't veer!​
• Telematics: Are You Unknowingly Sharing Your Driving Habits With Insurers?​
• Will I need to Pay A P​enalty If I do Not Have A​utomobile Insurance?​
• Enhanced Underi​nsured Automobile Insurance Coverage​
  
• What You Need​ to Know about Uninsured Motorist Claims​
• Liability I​nsurance Coverage for Registered Family Child Care Providers​
  
• Licensed Driv​ers in your Household​
  
• Post-Disaster Tips and Resources​
• Proof Of Insurance ​
  

Additional Resources:

• List of Auto Insurance Contacts
  
• List of Premium​ Finance Companies
  
• Property & Casualty Insurance Guaranty Corporation
• Sharing Economy (Ride Sharing)​
  
• NAIC: Auto Insurance Overview
• Use of You​r Credit History for A​uto Insurance​​
• File and Use - What Does This Mean And How Does It Work​
  

Videos & Webinars:

• ​Watch our signature "Lunch with MIA" webinars or watch one of our many videos on auto insurance related topics.​​