Car & Auto Insurance

Car insurance not only protects your vehicle, it protects your family and your financial well-being. Speak with one of our experienced agents who will customize a program to ensure the things most important to you, are protected.

Staples helps you find ways to save on car insurance. Get your quote today!

Make sure you have the right insurance coverage for any unexpected emergency.

Our team of licensed expert agents have the solutions to all of your insurance needs.

Open Medical Payments Coverage modal

Scenario

Depending on the severity of the injuries suffered, when it comes to automobile accidents, healthcare costs can be very costly with the potential for a large portion not being covered by your health insurance plan.

Solution

Regardless of fault, medical payments coverage will help cover reasonable medical and funeral expenses of covered drivers and passengers after an accident. Check with your carrier as most states offer this as an optional addition to your car insurance policy.

Open Bodily Injury Liability Coverage modal

Scenario

Where it is a phone call, text message or a crying child, it is easy to get distracted while you are driving. Taking your eyes off the road for even a second can result in an accident. As an owner of a vehicle, you may be held financially responsible for any bodily injuries caused because of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injuries to another person. Be careful as it only covers up to the limit of liability you select. Make sure you purchase enough coverage to protect your assets, in the case of a claim being brought against you. An excess liability policy will also provide additional limits of liability.

Open Comprehensive Damage Coverage modal

Scenario

Your car is typically one of your more costly investments. It is also exposed to a variety of potential losses such as weather-related events, theft, and other circumstances that are out of your control.

Solution

Comprehensive damage coverage will protect your vehicle when it is damaged in an accident, damaged by something other than a collision with a vehicle or object or if it is stolen. If your vehicle is paid in full, this type of coverage is optional, but it is coverage you should consider if you want to fully protect your vehicle.

Open Uninsured / Underinsured Motorist Damage Coverage modal

Scenario

What happens when the driver who hit you does not have enough liability coverage? Unfortunately, this happens more than you would expect. It is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured / underinsured motorist damage coverage may compensate you for injuries and lost wages caused by an uninsured motorist, a hit-and-run, a driver whose automobile insurance company is insolvent, or a driver who does not carry enough coverage to pay for damages.

Open Property Damage Coverage modal

Scenario

When you or your family are involved in an auto accident that causes damage to someone else’s property, you may be financially responsible for covering the damages. This can be any property damaged by your vehicle.

Solution

Property damage coverage protects you if your car damages someone else’s property, such as another car, a fence, or building. When choosing your property damage liability limits, you should consider all your assets, including your home and future earnings because if you do not have enough coverage to protect all your assets, you could be at risk if you are liable for damages that exceed your coverage imit. Consider a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.

Open Transportation Expenses / Rental Coverage modal

Scenario

When your vehicle is being repaired due to a covered loss, you may have to rent to get you to and from your daily activities. Vehicle rental can get expensive, especially over a prolonged period.

Solution

Transportation expenses/rental coverage is something you can add to your auto insurance policy to cover the cost to rent a temporary vehicle or the cost of public transportation if your vehicle is ever in an accident. This coverage is broken down into a variety of daily limits.

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Three good reasons why our agency, Staples & Associates in Salisbury, MD, and Harrington DE is the right choice for your car insurance needs:

• We provide car insurance discounts

  There are many ways to save on your car insurance coverage. You can save when insuring more than one vehicle, staying accident-free, and when insuring both your car and home. You can even receive discounts by having one of our affordable Life insurance products with us.

• Our claims service is better

  Ninety percent of our customers who filed car insurance claims would recommend us to friends and family. Why? Because customers think we provide a better claims experience.

• Annual Review

  With an annual review, we can make sure your car insurance coverage keeps up with your life changes. We can help you look at the bigger picture. You get the car insurance coverage that fits your needs, goals, and budget.

Protection for your car

Any time your vehicle is damaged, paying for the repairs should not be a source of worry. You need quality repairs for your vehicle, you need it returned as quickly as possible, and you need transportation while it is being fixed. Whether its arranging repairs at a reputable shop or getting you a rental vehicle so you do not miss any work, we’ll help keep your life on track.

Damage to Your Car

• Comprehensive Coverage
• Collision Coverage
• Towing and Labor Coverage

Damage or Injury to Others

• Vehicle Liability Coverage
• Medical Expense Coverage
• Family Compensation Coverage*
• Uninsured and Underinsured Motorist Coverage
• Personal Injury Protection (No-Fault) *