The truth is everyone who intends on driving and has a driver’s license is required to have insurance in Idaho. Before you get it, you’ll want to know the fact about insurance. Research it with the insurance representatives at Fuhriman Insurance Agency in Boise, ID before you commit to a policy.
Liability Insurance Coverage
You must have liability insurance. Depending on which state you’re in, you’ll want to understand the amount of coverage you need when purchasing a policy. In Idaho, you’ll need to be protected if you cause an accident. Liability means that you’ll be financially responsible for injuries or damages you cause because of a car accident. Liability insurance will keep you from having to pay for medical costs, lost wages, or vehicle repairs depending on the amount of coverage you have.
Uninsured and Underinsured Coverage
Uninsured/underinsured motorist coverage is to protect you if someone else does not have insurance or does not have enough insurance to cover the cost of damages to your vehicle if they caused an accident. This covered is not mandatory, but it could be worth it if you get involved in a traffic incident where the other party does not have insurance.
Comprehensive and Collision
You’re not required to have insurance that pays for your own automobile, but with the comprehensive coverage, you can do just that. Collision insurance pays if you collide with another object, such as a garage door, building, lamppost, or mailbox.
You’ll need to have insurance no matter what state you’re in, so if you’re in Idaho stop by Fuhriman Insurance Agency in Boise, ID and speak with your insurance agents. They’ll be able to update your auto insurance coverage. They can also talk to you about purchasing a home, life, and commercial insurance policy if you need it.