Find Car Insurance in Maryland for Your Car Registration Requirements

Apr 6 19:32 2013 Cedric Loiselle Print This Article

According to the Department of Transportation of the Motor Vehicle Administration,Guest Posting the law in Maryland requires that all Maryland registered motor vehicles must have insurance from a licensed insurance company in Maryland and should carry the insurance coverage for injury to the body corresponding to $30,000 per person, for bodily injury equivalent to $60,000 for two or more persons, and for property damage equivalent to $15,000. These minimum insurance requirements may be different from the requirements of other states. But the commonality for all states is the need to insure a motor vehicle before it can be operated or driven in any particular state.  


Part of the car registration process in Maryland is signing an insurance certification that proves your financial responsibility. What this means is that a car will not be registered if the car owner cannot present proof of financial responsibility. This proof is the insurance policy obtained for the motor vehicle. And depending on which state you are in, you may have to check on the other ways one can establish his financial responsibility. In other states, for instance, one can leave a huge deposit or bond with the state and this will be enough to prove his financial responsibility. But not in Maryland. The only way to prove financial responsibility is by buying the minimum insurance amounts required by the state.


So if you are an owner of a motor vehicle which you would like to drive in Maryland, you should find car insurance in Maryland. The law in Maryland also requires that only the accredited insurance companies in Maryland will be accepted. If the best Maryland state car insurance is not in the Maryland list, then it will not be accepted. It is therefore important that you check the Maryland accredited insurance providers and from that list, get 2 to 3 companies to give you a proposal on the car insurance requirements.


Over the course of your search for the car insurance provider, you should be able to find car insurance in Maryland that will give you reasonable rates but not shortchanging you on the scope of coverage. When reviewing car insurance proposal from the best Maryland state car insurance company, make sure that you read the fine prints because there are times when some important details are deliberately concealed by the insurance company. When you have chosen the insurance provider, they (the insurance company) should provide you with a form called FR-19. This form will be filed with the Motor Vehicle Administration as proof of your financial responsibility.


The Form FR-19 will state that you will keep the car insured for as long as it is registered. The insurance provider will contact the Motor Vehicle Administration or MVA in the event that you drop your insurance. In the same way, MVA should be informed if you change your car insurance provider by sending a new FR-19 form. Failure to inform MVA will render your vehicle without insurance. Similarly, having no proof of insurance on file could cause you stiff penalties in the form of additional fees or fines, revocation of license plates, $25 to reinstate your registration and license plate, jail time for a year or a stiff fine of $1,000.  

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Cedric Loiselle
Cedric Loiselle

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