Katz offers same day coverage on most policies.  A policy can be requested to start on the same day or anytime in the future.  

       The Interstate Motor Club offers a membership card to those who select their coverage like the Emergency Road Service with the 800 number to call for assistance.  

       There are a number of easy ways to make payments:  

       Cash, Check by phone, Check by mail, Money Order, Mastercard and Visa  

       Western Union Quick Collect - Pay to: IPP Code: Katz State: MD  

       Pay at any katz insurance location  

       Just call us to see how we can help you, we offer a number of different flexible payment plans…  

       The most common reason for cancellation is for non-payment of the insurance premium.  

       In Maryland, a vehicle must be covered by liability insurance at all times.  In order to register (tag) it, or renew the registration (obtain your stickers), you will be required to show that your vehicle is currently insured with at least Liability coverage.  Maryland has a mandatory minimum coverage of $20,000/$40,000/$15,000 for personal auto liability insurance.  Please see the question “What are the different types of Auto Insurance?” for more details.  

       Continuous insurance coverage must be maintained on all vehicles.  If it is not maintained, the vehicle owner could be fined and also could:  

• Lose his or her license plates and vehicle registration privileges  
• Have to pay uninsured motorist penalty fees for each lapse of insurance in the amount of $150 for the first 30 days, and $7 per day thereafter.  
• Have to pay a restoration fee of up to $25 for the vehicle registration privilege  
• Be kept from registering any future vehicles until the insurance violation is cleared  
• Be kept from renewing the suspended registration until the insurance violation is cleared  
• Have his or her license plates taken by an authorized tag recovery agent, as soon as registration suspension is in effect  

       If you cause an accident due to the negligent operation of your vehicle, it pays for bodily injury to other people or damages to their property.  It may also pay if an accident was caused by a member of your family living with you, or a person using your car with your permission.  Currently, Maryland State Laws requires minimum limits of $20,000 per person, $40,000 per accident for bodily injury and $15,000 per accident for property damage.  Increased limits can be available for an additional cost.  

       This can protect you if you are injured in an accident by others who do not carry enough insurance or have no insurance.  Provides recovery for bodily injury and property damage caused by the operator of an uninsured automobile, including a hit-and-run driver (after any applicable deductible).  Maryland State Law requires limits of $20,000 per person, $40,000 per accident for bodily injury and $15,000 per person for property damage.  Increased limits are available for an additional premium.  

       Guarantees immediate medical payments for you, your passengers and other parties involved in the accident, regardless of who may be at fault.  This is there to help someone who is injured get the necessary medical attention and deal with the issue of fault and insurance later.  Also pays for loss of income and funeral expenses.  Personal Injury Protection can be waived for a reduction in premium, but the waiver will not apply to a relative under the age of 16 while residing in your household.  

       It may be required if you have a loan or a lease for your car.  Pays for damages to your own vehicle by accidental collision.  

       It may be required if you have a loan or a lease for your car.  Pays to repair damages to your car caused by fire, theft, vandalism, natural disaster or similar events.  

       This coverage can include things such as towing, emergency travel services, locksmith, and map service.  

       The rates used in determining your premium are affected by your history of claims and traffic violations for up to three years.  Drivers with more accident/ticket records will have higher premiums.  

       Statistics show that the frequency of accidents is higher for males than females.  Teenagers have more accidents than adults and single people have more accidents than married people.  High accident frequencies mean higher premiums.  

       Congested areas such as cities have heavier traffic and more thefts and vandalism.  Consequently, these areas pay higher premiums than rural areas.  

       Some vehicles cost more to repair than others and therefore cost more to insure.  Higher premiums are also the result of vehicle usage, such as business use and vehicle performance, such as turbo or other high performance engines.  

       There are also factors that drive up the cost of claims, and thus raise auto insurance premiums for everyone.  

       One of biggest factors affecting premium is Liability Claim Lawsuits.  According to the Insurance Information Institute, claims for bodily injury liability from 1985 -1988 rose more than 13 percent a year.  Fourteen of the 15 states with the highest auto insurance premiums were also among the 15 states with the highest bodily injury paid claim costs.  

       The number of suits being filed is increasing.  Since 1981, auto lawsuit filings in California have increased by more than 50 percent.  Because insurers are obligated to pay defense costs even in minor or frivolous lawsuits, increases in filing lawsuits mean increases in their cost of doing business.  

       Rising medical costs are contributing to the increases in bodily injury liability claim costs.  In general, medical costs have been rising at a 6% rate.  On the other hand, advances in medical technology and improved rescue and life saving techniques result in fewer deaths, but this also drives up the cost of medical care.  

       It costs more to fix cars nowadays, and that means higher claim costs.  As cars have become more sophisticated through advancements like air bags, fuel injection, unibody construction and on-board computers, they also have become more expensive to repair in the event of an accident.  

       Motor vehicle theft is the fastest growing crime in the nation.  Fraud, a more sophisticated form of theft, is a major problem for insurers.  According to the National Insurance Crime Bureau, fraud costs property and casualty insurance companies more than $20 billion a year, that's equal to 10 percent of all property and casualty claims paid industry wide.  

       Higher premiums are often the result of accidents and tickets.  Be a defensive driver , watch out for the other drivers and obey the speed limits.  Cautious drivers can afford an extra minute or two, and can pay less in premium dollars.  

       Purchase the highest deductible you can afford, to reduce the physical damage premium.  The more you are willing to pay shows that you are investing in your own safe driving.  

       Physical damage coverage on an older vehicle or one in not too good condition may cost more to insure than you will get if it’s in an accident.  

       Each year you should shop for the best coverage at the best price.  You should contact any licensed agent or broker in the state of Maryland and compare one companies quote with another to make certain that the terms, conditions, limits, deductibles, etc.  are the same.  Rates, discounts and coverage can change.  

       The Maryland Automobile Insurance Fund (MAIF) was created by the Maryland State Legislature in 1972 for the purpose of providing automobile liability insurance for those residents of the State of Maryland who are unable to obtain it elsewhere in the private insurance market.  

       Report all accidents to your insurance company as soon as possible.  Get names and addresses of drivers, passengers, and witnesses, and get name and policy numbers of insurer of each vehicle involved.  Timely notification of any claims or accidents is critically important.  

       When your auto insurance cancels, the insurance company is required to notify the Motor Vehicle Administration of the insurance termination date.  You will be asked to get a FR-19 insurance certification form from each insurance company that has provided liability insurance.  You can obtain a FR-19 from your agent or your insurance company.  

       Call the police and make a police report, call your insurance company and provide:  

       Specific location from which vehicle was taken, when the theft was discovered, when the vehicle was last seen at the location and the police precinct and police report number.  

       It is not unusual for a lender to require full coverage on a new car.  Your new car serves as the collateral for the lender, so it is in the best interest of the lender to have it fully financially protected.  This is legal so long as the lender does not mandate which insurance company you must use.  

       Most often, the ticket/accident will result in an increase of your insurance premium.  However, with Katz, you won’t be canceled.  

       To protect yourself in the event you are involved in an accident with an uninsured illegal driver, be sure to keep your insurance coverage paid up to date.  With uninsured motorist coverage, you will be paid for damages just as if the other driver were covered.  

       Insurers use statistical evidence to determine which groups, such as young males, are more likely to have more accidents and file more claims.  Under-25 drivers, particularly men, are much more likely to be involved in accidents.  (15% of all licensed drivers are under 25, yet this group accounts for 29% of all accidents, and 26% of fatal accidents.)  

       Contact your agent or company to give them your child’s driver license number, date of birth and vehicle information.  .Single drivers under the age of 25 are much more likely to get into an accident than any other drivers.  Of course, this means that more losses are paid on young drivers, and so premiums must increase to pay for these losses.  But how much your individual policy increases depends on many different factors:  

       If your child will not be a primary driver of a vehicle (i.e.  there are more drivers in the household than there are vehicles), the increase will not be nearly as large.  

       Insurers give discounts for Honor Roll or Dean's List students, and also for passing an approved Driver Education course.  

       Most companies apply an "inexperience surcharge" for the first two years of licensure.  After that period, the surcharge is removed, although they will still pay higher premiums than a driver over 25.  

       As with any driver, the cleaner the record, the better the insurance rates.  But, since young drivers pay higher rates to begin with, each "surcharge point" costs them even more than other drivers.  

       Although your landlord may fix the leaky faucet, they will not replace your belongings should fire, theft or other perils happen to the building in which you live.  Renters insurance is an affordable way to protect your prized possessions.  

       Additional living expense coverages exists to help pay for motel, food and beverages while your home is being repaired.  

       If you notify the insurance company, all coverage can transfer to your new location.