Auto Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Auto Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Auto Insurance Information
Waymon Lynch Insurance Agency is Hyattsville’s trusted source for personalized insurance coverage. Coming to us means coming to an agency that is easy to communicate with and one that will be able to guide you on a personalized path to choosing the right insurance plan, rather than a much larger agency that doesn’t prioritize your individual needs. Our goal is for every customer to leave our doors knowing they have the safest plan for the future.
Auto insurance is a certain type of coverage that all car owners need. The type of coverage that car owners have, though, can vary greatly, and we will assist you in picking the best policy to maintain the quality of your specific vehicle.
Common Auto Insurance Questions
What is auto insurance?
By purchasing the right coverage, auto insurance is a paid agreement between the insured and the insurer that, in the event of an accident, the insurer will step in and help cover some of, if not, all of the costs resulting from a damaged vehicle depending on the type of coverage. In turn, drivers can feel some type of safety knowing that, if an accident occurs, they will be provided financial assistance.
How does auto insurance work?
Vehicle damage can get very expensive if an accident is severe enough, and auto insurance is a guarantee that you will be assisted in covering those expenses. In the event of an accident, you would file a claim against your policy for aspects of the accident you are responsible for and your insurance will then give you financial assistance in covering some of the costs.
It’s important to understand that having quality coverage will limit your out-of-pocket costs, rather than digging yourself into significant financial debt.
What does auto insurance cover?
The average auto insurance policy can offer numerous benefits, including:
Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Plus, to further customize your benefits, you can add countless perks into qualifying policies, including:
Is auto insurance required?
All Maryland vehicles MUST be insured at ALL times by a vehicle insurance company licensed in Maryland. Your vehicle insurance must cover, at a minimum: $30,000 bodily injury liability coverage per person, $60,000 bodily injury liability coverage per accident, and $15,000 property damage liability coverage.
Depending on if you have financed your vehicle, you also may be required to other types of insurance such as collision, comprehensive and gap coverage.
Having more than just the bare minimum auto insurance coverage is essential. Our knowledgeable, experienced agents will help you determine the best policy.
What does auto insurance cost?
Numerous factors can influence the cost of your auto policy, including:
Your chosen coverage limits
The value of your vehicle
Your driving accident history
Your history of claims on other auto policies
There is a possibility that drivers might pay different prices for the same type of coverage, but we will make certain to use our resources and find you the best policy for the most reasonable price. Do not sell yourself short when it comes to auto insurance.
Call us or request your free quote to figure out the best auto insurance policy for you and your vehicle.