A hit-and-run can leave you without a vehicle or facing thousands of dollars in medical bills. In some situations, your auto policy may be able to help.

Liability Coverage

Liability coverage doesn’t pay for your own vehicle or medical bills. It’s designed to cover damage you cause to someone else, so you don’t have to pay for it out of pocket. However, there are several other types of coverage that can help Boise, ID, residents after a hit-and-run.

Collision Coverage

Collision coverage helps pay for your vehicle regardless of who’s at fault, so it can help even if the other driver is never identified. You will, however, need to pay your deductible before coverage kicks in.

MedPay

If you carry MedPay, it can help cover your medical bills after an accident. Idaho law doesn’t require MedPay, but most insurers offer it as an optional add-on. You can work with an agent at Fuhriman Insurance Agency to make sure you have adequate MedPay coverage in place before an accident happens.

Uninsured/Underinsured Motorist Protection

Lacking their own auto insurance is one of the main reasons drivers flee the scene of an accident. If the other driver is eventually identified and found to be uninsured, your uninsured motorist coverage can help pay for damages. Unfortunately, this type of coverage generally depends on actually locating the other driver, and local law enforcement can often assist with that process.

We understand that whether your coverage applies depends heavily on the specific situation, which can be frustrating. Our compassionate agents can help you better understand your options and your current coverage. Contact a representative at Fuhriman Insurance Agency today to get started. We’re currently serving the Boise, ID, area.

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Car accidents can be overwhelming, both emotionally and financially. After the scene is cleared, you may face medical bills, vehicle repair costs, lost income, and additional stress if the other driver is uninsured or has inadequate coverage.

Uninsured and Underinsured Motorist Coverage

Uninsured motorist (UM) and underinsured motorist (UIM) coverage can help protect you if you are involved in an accident caused by a driver who has no insurance or not enough coverage. Depending on your policy and state requirements, this coverage may help pay for medical expenses, pain and suffering, and vehicle repairs when the at-fault driver cannot fully cover your losses.

When a Lawsuit May Be Necessary

Auto insurance typically covers medical expenses, property damage, and, in some cases, the value of your vehicle if it is totaled. However, it may not fully compensate you for losses such as missed work or long-term medical care. In these situations, you may have the option to pursue legal action against the at-fault driver. Your insurance company may also seek reimbursement through a process called subrogation if it pays a claim on your behalf.

How Uninsured and Underinsured Coverage Work Together

In Boise, ID, some drivers carry auto insurance but have policy limits that are too low to cover serious accidents. In these cases, the at-fault driver’s insurance typically pays up to their policy limit first. Your underinsured motorist coverage may then help cover eligible expenses up to the limits of your policy.

Understanding Coverage Limits

Every auto insurance policy has coverage limits, which cap the amount your insurer will pay for bodily injury and property damage. Once those limits are reached, you may be responsible for additional costs unless other coverage or legal recovery is available. Reviewing your limits regularly can help ensure you are adequately protected.

The agents at Fuhriman Insurance Agency understand how quickly an accident can become complex and confusing. Our knowledgeable team is here to help you understand your coverage options and guide you through the process. Contact us today to learn more. We proudly serve drivers throughout Boise, ID.

The process of choosing a car insurance policy can be stressful if you’ve never had car insurance before. Before you buy a vehicle, it’s important to have a plan for getting car insurance. This is why many people turn to the professionals here at Fuhriman Insurance Agency servicing Boise, ID. We provide insurance help for people who want to find the right plan at the right price. Here’s what you need to know about getting insurance if you’re hoping to buy a car.

Why Do You Need to Get Car Insurance?

Car insurance is a requirement for driving a vehicle. If you own a vehicle, you must have car insurance to drive it. 

When Should You Get Car Insurance?

If you’re buying a car at a dealership, you will likely be required to prove that you have insurance before you can drive the vehicle off the lot. If you’re getting a loan to pay for the car, you may need to prove you have full coverage auto insurance before borrowing the money. Auto lenders typically require this type of insurance before they provide a loan. 

You will not be able to get an insurance policy before you’ve selected a vehicle, however. Getting insurance and getting a vehicle need to be done at the same time. Once you have a specific vehicle in mind, you can call your insurance agent to provide the specifics about the car (including make, model, and VIN). 

How Do You Choose a Car Insurance Policy?

Before you start shopping for cars, contact the professionals at Fuhriman Insurance Agency, servicing Boise, ID, to learn more about the process of getting an auto insurance policy. We can help answer your questions about auto insurance, so you’ll be prepared to get auto insurance when you need to buy a car. Call today.