FAQs

Most personal auto policies extend coverage to any vehicle you drive with the owner’s permission, including rental cars — but with limits: Liability typically follows you, so you have coverage for damage you cause. Collision and comprehensive on the borrowed vehicle generally only apply if you carry those on at least one vehicle on your own policy. Your limits are the

Because we’re independent and represent multiple A-rated carriers, we compare available discounts across companies — and which combinations produce the lowest total premium varies by driver and vehicle. Common auto discounts include: Multi-policy bundle (home + auto, condo + auto, renters + auto): typically 10–25% Multi-vehicle: 10–20% for two or more cars on the same policy Safe driver / claims-free: rewards 3–5+

Yes - in all three jurisdictions, uninsured motorist (UM) coverage is required by law at the same limits as your liability coverage, and underinsured motorist (UIM) coverage is also required in Maryland and Virginia. Even where it’s required, the legal minimums are usually too low. A serious accident caused by an uninsured driver can leave you covering medical

These are the three main components of an auto policy: Liability pays for injuries and property damage you cause to others. Required in DC, MD, and VA. Collision pays to repair or replace your car after a crash, regardless of fault. Optional, but usually required if you have a car loan or lease. Comprehensive covers non-collision damage — theft, vandalism, fire,

Each jurisdiction sets its own minimum liability limits, and they differ in important ways: Washington, DC: Liability of 25/50/10 ($25,000 bodily injury per person / $50,000 per accident / $10,000 property damage), uninsured motorist coverage at the same limits, and $5,000 personal injury protection (PIP). Maryland: Liability of 30/60/15, uninsured/underinsured motorist coverage at the same limits, and $2,500 minimum PIP (can

Yes. Bundling home and auto — or condo, renters, or umbrella with auto — through the same carrier typically saves 10–25% versus buying each policy separately. Because we represent multiple carriers, we can compare bundle discounts across several A-rated companies and quote the combination that delivers the best total value. Call us at 301-468-9600 or request a quote online to

To file a claim, call our office at 301-468-9600 during business hours (Monday–Friday, 9 AM to 5 PM ET) or email info@capitalpointins.com, and we'll walk you through the process and connect you with the right carrier's claims department. For after-hours emergencies, contact your insurance carrier's claims line directly — the number is on your insurance card or policy declarations page. We

Capital Point Insurance has served the DC, Maryland, and Virginia metro for more than 60 years. We are a family-owned, independent agency headquartered in Potomac, Maryland, built on long-term, advisor-led relationships with the families and businesses we insure across the country.

A captive agent represents one insurance company only — for example, a State Farm or Allstate agent can only sell policies from that single carrier. An independent agency like Capital Point Insurance represents multiple insurance carriers, which means we can shop your coverage across several A-rated companies to find the best combination of price, coverage, and service. If

Capital Point Insurance is headquartered in Potomac, Maryland (10220 River Road, Suite 207). We are licensed in Washington, DC (License #118731), Maryland (License #651), and Virginia (License #106492), and we serve clients throughout the DC metro area. We are also licensed in additional U.S. states — contact us to confirm coverage where you live or do business.