It’s a crazy world out there. Vehicle insurance not only protects your car or motorcycle, it protects your family and your financial well being. Speak with one of our experienced agents who will customize a program to insure that the things that are important to you are protected.

We provide the following types of coverage:

We want you to be covered in every part, and at every stage, of your life. That’s why we offer a complete line of insurance products. We’ll work closely with you to tailor a policy or group of policies that fit your needs, your goals and your budget. In fact, you may be eligible for discounts when you combine other policies with your home insurance.

We’re also committed to making sure you understand your policy. We explain your coverage completely, and simply. So you know exactly what you’re getting and what it protects. It’s another way we can help make your life less complicated.

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

  1. 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.

  2. 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.

  3. 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’s being fixed. Whether its arranging repairs at a reputable shop, or getting you a rental vehicle so you don’t 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)*

That’s why we have insurance coverage that’s unique to you, your bike and your lifestyle.

Liability coverage

Many state laws require liability coverage, also known as “property damage/bodily injury.” It can help cover expenses from damaging a vehicle or injuring a person in an accident. Our bodily injury liability automatically includes coverage for guest passengers.

Collision coverage

Collision coverage helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. This coverage includes safety apparel up to $2,000. Collision coverage issued by the one of the state’s motorcycle insurance companies may be required if your vehicle is financed or leased.

Comprehensive coverage

Comprehensive coverage helps pay for damage to your vehicle not caused by a collision. This can include damage or loss due to theft, vandalism, falling objects, fire, storms, flooding, and certain other natural disasters.

Uninsured or underinsured motorcycle coverage

This motorcycle insurance coverage helps pay for damages to your vehicle if it is damaged in an accident by an underinsured, uninsured or unidentified driver. It may also help pay your medical costs and your passengers’ medical costs, lost wages, and other damages if an accident caused by an uninsured or underinsured driver results in injury.

Medical payments insurance

Medical payments coverage helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.

Towing and labor

This coverage can reimburse you for a tow and for the labor costs to get your car up and running again.

OEM endorsement

As a dedicated motorcycle insurance company, we also offer an option to make sure your motorcycle is repaired using original equipment manufacturer parts instead of after-market ones if you have a covered accident.

Liability coverage

Many state laws require liability coverage, also known as “property damage/bodily injury.” It can help cover expenses from damaging a vehicle or injuring a person in an accident.

Collision coverage

Collision helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision coverage can be required if your vehicle is financed or leased.

Comprehensive coverage

Comprehensive insurance helps pay for damage to your vehicle not caused by collision. Examples include damage or loss due to theft, vandalism, falling objects, fire, storms, flooding, and certain other natural disasters.

Uninsured or underinsured coverage

This RV coverage helps pay for repairs if your RV is damaged in an accident by an underinsured, uninsured, or unidentified driver. It also helps pay medical costs, lost wages, and other damages for you and your passengers resulting from an accident caused by an uninsured or underinsured driver. RV or motor home coverage varies from state to state and is required in some states.

Medical payments coverage

Medical payments helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.

Loss of income coverage

This option helps pay lost wages due to injuries from an RV accident. This type of coverage can be especially important if you do not already have short-term or long-term disability benefits from another source.

Rental reimbursement coverage

This coverage helps pay for your rental car or other transportation (such as bus or subway) if your RV cannot be driven due to an at-fault accident or comprehensive claim.

Towing and labor coverage

Towing and labor reimburses you for towing charges if an insured vehicle is disabled. It also covers on-site assistance, such as battery jump-start, tire change, and locksmith services.

Liability coverage

Liability can help pay for injuries and property damage to others from a covered accident if you are found to be legally liable. This includes pollution liability coverage and wreckage removal.

Collision coverage

Collision coverage helps pay for damage to your boat, motor, trolling motor, trailer, and permanent and portable boating equipment in the event of a covered accident with another boat or object.

Comprehensive coverage

Comprehensive helps cover damage to your boat, motor, trolling motor, trailer, and permanent and portable boating equipment resulting from things other than collision. This includes damage from fire, theft, or storms.

Uninsured or underinsured boater coverage

This boat insurance coverage helps pay for damages due to bodily injury that you and anyone on your boat sustain if injured in a covered accident with an uninsured or underinsured boater, or a hit-and-run boater.

Medical payments

Medical payments helps cover medical bills for the treatment of injuries that are incurred by you or others while operating or occupying your boat.

On-water towing and labor

This option covers towing expense and other emergency services up to selected limits in the event your boat becomes disabled while on the water.

Fishing equipment

Fishing equipment insurance helps cover damage to fishing equipment while on an insured boat or while being carried on or off an insured boat.

Personal effects insurance

Personal effects insurance helps pay replacement cost for loss or damage to your personal property while onboard or while being carried on or off an insured boat.

Roadside Assistance

As a trusted boat insurance company, we also offer, Roadside Assistance, which helps pay for on-site labor for your tow vehicle or boat trailer or towing to the nearest qualified repair facility.

Liability coverage

Many state laws require liability coverage, also known as “property damage/bodily injury.” It can help cover expenses from damaging a vehicle or injuring a person in an accident.

Collision coverage

A collision scooter insurance policy helps pay for damage to your scooter if you hit another vehicle, another vehicle hits you, or your scooter rolls over. Collision includes scooter insurance coverage for safety apparel up to $2,000. Contact an agent to find out whether collision coverage can be required if your scooter is financed or leased before requesting a free scooter insurance quote.

Comprehensive coverage

Comprehensive helps pay for damage to your scooter not caused by collision. Examples include: damage or loss due to theft, vandalism, falling objects, fire, storms, flood, and certain other natural disasters. Comprehensive also covers custom parts and equipment.

Uninsured or underinsured motorist coverage

This coverage helps pay for repairs to your scooter if it is damaged in a covered accident by an underinsured, uninsured, or unidentified driver. It can also help pay medical costs, lost wages and other damages for you and any passengers injured in an accident. Coverage varies from state to state and is required in some states.

Medical payments

Medical payments helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.

Towing and labor

This coverage reimburses you for towing and labor charges if your scooter is disabled. Typical services include: battery jump-starting, tire changing, and locksmith services.

OEM endorsement

An original equipment manufacturer (OEM) endorsement ensures that aftermarket and salvage replacement parts won’t be used to repair your vehicle.

Liability coverage

This ATV insurance coverage helps cover bodily injury and property damage to others if you are at fault in an accident. It can pay for other people’s medical costs, as well as their lost wages and your legal expenses. Most states require liability coverage.

Collision coverage

Collision helps covers damage to your ATV if you hit another vehicle, another vehicle hits you, or your ATV rolls over. If your vehicle is leased or financed, you may have ATV insurance requirements for collision coverage. This coverage also includes up to $2,000 for safety apparel. It may be required if your all-terrain vehicle is leased or financed.

Comprehensive coverage

Comprehensive insurance helps pay for damage to your ATV not caused by a collision. This can include damage or loss from theft, vandalism, falling objects, fire, flooding, and certain other natural disasters. Comprehensive also covers custom parts and equipment.

Uninsured or underinsured ATV coverage

This all-terrain vehicle insurance coverage helps pay for repairs to your ATV if it is damaged in an accident by an underinsured, uninsured, or unidentified driver. It also helps pay the medical costs for you and your passengers if an accident caused by an uninsured or underinsured driver results in injury.

Medical payments coverage

Medical payments helps pay for medical bills for the treatment of injuries resulting from a covered accident, regardless of who is at fault.

OEM endorsement

An original equipment manufacturer (OEM) endorsement ensures that aftermarket and salvage replacement parts won’t be used to repair your vehicle.

Liability coverage

Liability helps cover injuries and property damage to others resulting from a covered accident if you are found to be legally liable. This includes pollution liability coverage at no additional cost and wreckage removal when you have comprehensive and collision with us.

Collision coverage

Collision insurance helps pay for damage to your PWC, motor, trolling motor, trailer, permanent and portable equipment in the event of a covered accident.

Comprehensive coverage

Comprehensive insurance helps pay for damage to your PWC, motor, trolling motor, trailer, permanent and portable equipment for losses resulting from incidents such as fire, theft, or storms. Look to Nationwide for your Jet Ski insurance, WaveRunner insurance, or Sea-Doo insurance.

Uninsured or underinsured boater coverage

This personal watercraft or Jet Ski® insurance helps cover damage to your PWC, Jet Ski®, motor, trolling motor, trailer, permanent and portable equipment in the event of a covered accident.

Medical payments

Medical payments helps cover medical bills for the treatment of injuries that are incurred by you or others while operating or occupying your boat.

On-water towing and labor

This option helps cover towing expense and other emergency services if your boat becomes disabled on the water.