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Raley, Watts & O’Neill Insurance

Since 1950, Raley, Watts & O’Neill has been serving the insurance needs of our clients. We started as a one person operation in Lexington Park, MD and are proud of our small town heritage. We have worked hard to maintain the fundamental principles of our roots while we have grown into a company that serves clients throughout the Mid-Atlantic, the United States and Internationally. We pride ourselves on getting it right and taking care of the needs of our clients. We simplify the insurance process and take the time to make sure each of our clients understand their options, what they are buying and where their money goes. Our committed staff has the expertise and extensive experience in a broad range of insurance products and services like Commercial, Personal, Bonding, Safety/Risk Management, Group Health, Life and Financial Services. We would welcome the opportunity to demonstrate to you how working with Raley, Watts & O’Neill is about more than just insurance; it is about a long term relationship. We always strive to never veer from our values – C.A.R.E


Gordon O’Neill Gordon O’Neill , 2/10/2016
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Say you operate a vehicle frequently, but don't actually own one. Nonowners Auto Insurance is the product you're looking for.

These policies generally provide Liability coverage only, which protects you if you're at fault for any injuries or property damage suffered by another driver or pedestrian. Nonowners Auto usually does not include Comprehensive, Collision, Towing reimbursement, or Rental reimbursement coverages. In many cases, you won't have to pay a deductible.

If you occasionally borrow the car of a friend or family member, the owner's Auto policy will cover any accidents. However, a Nonowners Auto policy can still pay off in such situations; for example, if the owner has low Liability limits.

This coverage might make sense if you rent cars regularly. Insurance sold by a rental agency is often expensive -- from $7 to $14 a day for a Liability policy.

However, bear in mind that Nonowners Auto insurance will not cover damages to a car you rent. For this reason, it often makes sense to purchase a Collision Damage Waiver -- commonly known as a "loss damage waiver" -- from the rental agency. Although this is technically not insurance, it will protect you from responsibility for damage to or theft of your rental. Some waivers also offer coverage from "loss of use" fees charged to renters while the car is being repaired. Waivers usually cost $9 to $20 per day.

For more information about Nonowners Auto coverage, please feel free to get in touch with us.