Auto insurance is a necessity if you want to legally drive a vehicle. Luckily for you, we sell auto insurance to motorists in Boise, ID at Fuhriman Insurance Agency. 

Auto insurance policies can protect you from all sorts of problems as a vehicle owner. The following are three problems you can avoid by choosing the right auto insurance policy. 

Facing a great deal of financial damage as the result of an accident

A car accident can cost you a lot of money. Not only can you lose the value of your vehicle without auto insurance coverage, but you could also face high expenses from lawsuits and medical bills. 

One of the most significant benefits of the right auto insurance policy is that it can protect you from financial damage. 

Paying for excessively high auto insurance premiums

The right auto insurance will offer you adequate coverage at a competitive price. If you do your research and find the right policy, you can avoid paying excessively high insurance costs as a vehicle owner. 

Dealing with frustrations when you have to file an auto insurance claim

A good auto insurance policy comes from a company that offers good customer service. Good customer service makes it convenient and straightforward for you to file a claim when necessary.

If you find the right auto insurance policy, you will enjoy a streamlined process and helpful one-on-one attention whenever you need to file a claim. This can save you from many frustrations after the already stressful experience of being involved in a vehicle accident. 

Let us assist you with researching auto insurance policies available to you as a motorist in Boise, ID. Get in touch with us at Fuhriman Insurance Agency to learn more. 

When you drive in Idaho, you are required to have auto insurance for your vehicle in virtually all cases. When you get this insurance, it will have different types of coverage within the policy. If you have an Idaho vehicle and need to get it insured, give us a call today at Fuhriman Insurance Agency in Boise, ID.

Liability Auto Insurance

Vehicles are required to have liability coverage in Idaho. The state mandates two types of liability coverage with three different coverage amounts to be included in the policy. The state requires both bodily injury or death liability as well as property damage liability. An amount is required for one person injured or killed in an auto accident. A higher amount is required for everyone who becomes injured. In addition, there is an amount required for property damage liability. All these coverage types pay for damages for third parties, not for you or anyone in your vehicle. 

Uninsured Motorist Insurance

The state also mandates that the auto policy must have coverage for uninsured motorists, though this requirement can be waived in writing. This coverage pays for your injuries and damages if you are in an accident with a motorist without insurance. The amount of this coverage has to be the same as the amount of bodily injury liability. The amounts of all these coverage types, as required by law, are relatively low when looking at other states. That’s why it’s generally recommended that you get higher coverage than is required. The state minimum amount may not be enough for a serious accident. 

Get Your Vehicle Covered by Auto Insurance

Having at least the mandated insurance amounts is essential, so you aren’t subject to fines and fees. Call us at Fuhriman Insurance Agency in Boise, ID, when you need insurance.

ATVs and other outdoor toys are a ton of fun, but it’s essential to make sure that you have the protection you need. Folks in the greater Boise, ID area can turn to the team at Fuhriman Insurance Agency for all types of insurance protection. Get in touch and find out more!

Protect your toys and yourself

Owning an ATV, snowmobile, or similar type of outdoor toy can bring a lot of fun to your life. What better way is there to spend the day with friends and family? Ensuring that you have the protection you need before you get out on the trail is also important. 

Insurance protection is essential whether you are enjoying your vehicle on public or private land. Losses from damage to your car aren’t the only pitfalls for toy ownership. It’s also possible to experience an accident that causes injuries. This can create a situation where you may be held personally liable for several different kinds of expenses. 

Injuries that require medical attention can happen, and who pays for the medical care if someone is injured in your vehicle? Medical expenses and liability are often higher-risk situations than damage or loss of the vehicle itself. You don’t want to have financial responsibility for losses that the right toy insurance policy can cover. Now is the time to review the toy insurance options that are available.

Find out more today!

Outdoor enthusiasts in Boise, ID can rely on Fuhriman Insurance Agency for all of their insurance policy needs. We can help you find the right policy to protect you from loss and liability. Get in touch today and find out more about this necessary type of insurance. 

Purchasing auto insurance is not only mandatory but cushions you financially when accidents happen. While most people have invested in car insurance, only a few bother to update the policy. If you want to get the best out of your car insurance, reviewing it regularly shouldn’t be an option.  Not sure when you should update your car insurance? Fuhriman Insurance Agency in Boise, ID is here to guide you.

When you change your personal details

If you have changed personal details, such as your name, it’s essential to inform your insurer. Most couples change names after marriage only to forget that informing their insurer is necessary.

Also, don’t forget to change the name on the license since the name on the insurance policy should match the one on the license.

When selling your current car

Would you like to upgrade your current car? No problem. All you need to do is inform your insurer. The good thing is that most insurance companies allow you to transfer your existing policy to your new one.  However, the premium may go up if the value of your new car is high.

Moving to a new address

Where you live is one of the factors that’s considered by most insurers when computing your premium. If you are moving locations, inform your insurer. They will advise whether there will be any changes in your premium.

Change of use

Want to convert your car into a commercial? You just need to update your current car insurance to commercial auto insurance. This way, your claim won’t be rejected when your car is involved in an accident when running business errands.

Learn more about car insurance

Reviewing your car insurance not only makes the processing of claims smooth but also ensures your current needs are covered. Want to update your auto insurance in Boise, ID. Please get in touch with Fuhriman Insurance Agency for guidance.

Most states require motorists to buy auto insurance. And if you are on a budget, you might be tempted to stick to basic auto insurance to meet the state’s minimum requirements. But is this enough? Of course not. It would be best if you had more than the state-required auto insurance to protect yourself, your car and your family. But how much auto insurance do you need? Fuhriman Insurance Agency of Boise, ID has the answer.

What’s the minimum insurance I need?

If you want to have adequate car insurance, you first need to meet the state’s requirements. For instance, motorists must purchase bodily injury liability of $50,000 per accident and property damage liability of $15,000 for every accident in Idaho. Underinsured and uninsured motorist policy is required, but you can reject this in writing.

How much liability insurance do I need?

Liability insurance covers bodily injury and property damage to others. It also covers legal costs should you be sued. We usually advise clients to maintain liability coverage of $500,000, covering bodily injury and property damage liability.

However, if you need additional liability coverage of, let’s say, $1 million, we advise you consider umbrella insurance.

How much physical damage coverage do you need?

Opt for comprehensive or collision coverage that can compensate the full amount if your vehicle is totaled. As for deductibles, choose an amount that you are comfortable with. But remember, the higher the deductible, the lower the premiums — and vice versa is true.

How much medical payment coverage do I need?

This depends on whether you have a health insurance plan and its benefits. But even if you have health insurance coverage, you should consider MedPay because it gives you and your family additional coverage like partial wage compensation.

Still not sure how much auto insurance you need? Please get in touch with Fuhriman Insurance Agency of Boise, ID for an affordable quote.

If you are a new car owner looking to get auto insurance within Boise, ID, you will likely face a few challenges understanding what your policy covers. Fuhriman Insurance Agency outlines some basic auto insurance terms to be on the lookout for, helping you get an easy time as you shop for your cover.

At-Fault Party

An at-fault party refers to an individual responsible for causing an accident. During an accident, the at-fault party pays for injuries caused to 3rd parties and repairs to 3rd party property damage.

Covered Risk

Covered risk represents incidents that your policy will help you pay for. These can include collisions with objects such as buildings and electric poles and vehicle damage from fire, hail, and vandalism.

Liability Insurance

Liability insurance is a policy that helps you pay for other parties’ injuries or their property damage. It comes in two forms, with the first being bodily injury liability and the second being property damage liability.

Medical Payments Coverage

Medical payments coverage is an auto policy that helps you pay your medical bills when injured during an accident. This policy also covers your passengers’ costs of medical treatment.

State Required Minimum

The state-required minimum is the limit or the stipulated insurance policy that every motorist is required to have. Failure to carry these required minimum policies could attract fines or lead to license revocation.

Uninsured Motorist

An uninsured motorist is any driver without insurance, with the same also applying to parties with insufficient coverage. When such a party hits you, your coverage pays for damages caused to your vehicle and injuries sustained by you or your passengers.

If in need of auto insurance that factors in your driving needs within Boise, ID, contact Fuhriman Insurance Agency today. Our agents will take you through our various coverage options to help you get a customized policy.

If you are new to buying auto insurance, or you are just ready for a change of carrier or agency, there may be a lot of questions that come to mind. Having an insurance agent who has lots of answers makes the process much easier. If you are in or near Boise, ID, Fuhriman Insurance Agency can provide the answer you need. We realize that our customers are our most precious asset and our goal is to provide the best insurance products at the most reasonable price. 

How much auto insurance do I need to have?

In Idaho, liability insurance is required by law. The mandated coverage amount is 25/50/15. If you have an auto loan, you will be required to carry collision and comprehensive insurance. 

What deductible should I have?

The deductible is the amount you will need to pay out of pocket before your auto insurance covers repairs on your vehicle. You should choose an amount that won’t be difficult for you to pay. 

Do I need full glass coverage?

If you have ever taken a stone to your windshield you know the answer to this question. It is a very minimal premium, and it provides great service. 

What is comprehensive insurance cover?

Comprehensive insurance covers damages to your vehicle that are beyond your control. If your car is stolen or vandalized that will be covered. If hail damages your paint or a limb is blown onto your vehicle, that is covered. If a deer runs into your car, that is covered. 

Do I need to have collision insurance?

If you are in an accident where you are at fault collision insurance will pay to have your vehicle repaired after you pay the deductible. If you need your vehicle, you need collision coverage. 

In Boise, ID contact Fuhriman Insurance Agency for all your auto insurance needs. 

There are plenty of options for good insurance coverage, but sometimes you just want a little more than what your other policies provide. If that’s the case for you, or if you’re not sure whether more coverage would be the right choice, come talk to us at the Fuhriman Insurance Agency. We work with customers in the Boise, ID area who have questions about umbrella insurance and other types of policies. Our professional agents can help you get the type of policy that’s right for your needs, and add to the coverage you already have so you have a higher level of protection and more peace of mind.

There’s a myth that only the wealthy or those that have their own businesses need this kind of extra insurance protection. While it’s likely that people in those situations do have additional coverage, this kind of added insurance can be a good choice for nearly anyone. Even those who don’t have significant assets may be able to benefit from an umbrella policy that will add to what they already have in their current insurance portfolio. We can help you decide if this type of coverage is needed and right for you.

Reach out to us at the Fuhriman Insurance Agency today, and let’s see how we can help. If you’re in the Boise, ID area and have questions about umbrella insurance, you’re in the right place. We know there are different ways to get the protection you need and want, and we’re committed to helping you have strong peace of mind based on your insurance choices. There’s no reason to settle for less than full protection that can let you focus on other areas of life and get back to doing all the things you enjoy with your time.

Idaho drivers have state minimums they are required to maintain when it comes to auto insurance. These state minimums protect drivers as they navigate Idaho’s highways, roads, and streets. Failure to carry the state minimum auto insurance could result in fines and the loss of driving privileges, amongst other things. 

Idaho Trafic Laws
Idaho drivers should familiarize themselves with the laws associated with driving in the state. Idaho isn’t a no-fault state which means the state rules that govern driving are fault-based insurance laws. All individuals involved in a traffic accident can be held liable for an accident if they are found to be at fault. Also, hit and runs are felonies that carry a hefty fine and jail time if convicted. This is one of the many reasons why we are committed to educating Idaho drivers on what’s required to legally drive within the state.

State Requirements
The Fuhriman Insurance Agency of Boise, ID requires all Idaho drivers to carry liability coverage. Liability insurance can cover injuries, lost wages, and property damage caused to others in situations where you’ve been deemed “at fault” in an accident. Liability insurance takes care of any injuries and damage that may have occurred as a result of an accident that you were responsible for. If another driver or passenger(s) was injured, liability insurance will cover their medical care. Liability insurance also covers property damage as well. Lost wages and a whole host of other areas are covered under liability insurance.

State Minimums
Idaho state minimums for auto coverage include bodily injury coverage in the amount of $25,000 per person in an accident and $50,000 for everyone involved in a single accident. Idaho drivers must carry liability insurance to legally drive within the state. If you have any questions or concerns about liability coverage give us a call. We are committed to educating Idaho drivers and providing the best auto insurance options possible.