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O'Brien Insurance Agency

Learn more about our agency.

At O'Brien Insurance Agency, we strive to help you find comprehensive insurance to protect what matters most to you. We’ve been serving clients in the DMV area of Washington, DC, Maryland, and Virginia, for over 27 years. Whether you’re an individual, family, or business looking for insurance, we have you covered.

Insurance alone only gets you so far. That’s why having the right insurance advisor and advocate by your side is essential. By building a relationship with you, we are able to inform you about your unique risks while offering comprehensive insurance solutions to help protect you from the unexpected and plan for the predictable. We do all of this to bring you peace of mind. Learn more about our agency.

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As an independent agency, we are here to help you find the right coverage.

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The Solution to Your Insurance Needs

Providing a variety of personal insurance and business insurance solutions is what O'Brien Insurance Agency does best.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How

Meet Our Owner!

Jim O’Brien has proudly been serving the DMV area for over 27 years. He believes strongly in providing each client with personalized service so they get the coverage they need at prices that work for them. Take a moment to learn more about our agency and how we can help you.

Real clients. Real reviews. Real coverage.

“Jim has been a trusted advisor for all of my family’s insurance needs for 15 years. He always presents the pros and cons of the different options and gives us the information we need to make the decisions that are right for us.”

– Chris P.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Auto
Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.

Solution

The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.

Solution

Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Auto Insurance 101

Make sure you cover the unique risks you face with auto insurance.

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As an independent agency, we are here to help you find the right coverage.

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We serve clients throughout the DMV area of Washington, DC, Maryland, and Virginia.

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