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Automobile Insurance
Auto insurance protects you against financial loss if a covered loss occurs. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
An auto insurance policy is comprised of six different kinds of coverage (see more below). Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

An auto insurance typically contains six separate and distinct parts:
  1. Bodily Injury Liability - for injuries the policyholder causes to someone else.
  2. Property Damage Liability - for damage the policyholder caused to someone else's property.
  3. Medical Payments or Personal Injury Protection (PIP) - for treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.
  4. Collision - for damage to the policyholder's car from a collision. The collision could be with another car, a light post, fire hydrant, etc...
  5. Comprehensive - for damage to the policyholder's car that doesn't involve a collision with another car. Covered risks typically include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
  6. Uninsured Motorist - for treatment of policyholder's injuries as a result of a collision with an uninsured driver. Underinsured motorist coverage can also be included in an auto policy. Underinsured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.
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    Kirkman & Conway, Inc.
    1300 Piccard Drive, Suite LL4
    Rockville, MD  20850

    Phone: (301) 670-0500  
    Fax: (301) 921-9275
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    IMPORTANT NOTE:  This website provides only a simplified description of coverages and is not a statement of contract. None of the information provided on the website is a guarantee that insurance will be provided or that the agency is obligated to procure insurance for the website visitor. Coverage may not apply in all states. Misstatements of omissions of relevant information can lead to price variation or even declination or recission of coverage. For complete details of coverages, conditions, limits and loss not covered, read the policy, including all endorsement, or prospectus, if applicable. Coverage CANNOT be bound, amended or altered by leaving a message on this website or through email, voicemail or text.

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