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One important consideration for any vehicle owner to take into account is auto insurance coverage. At Fuhriman Insurance Agency, we provide auto insurance coverage to motorists in Boise, ID.
The following are three types of auto insurance coverage that you should have.
Liability coverage
You are required to carry liability coverage to drive legally in Idaho and just about every other state. This type of coverage will pay for the costs of damages you cause to other drivers out on the roads. The liability coverage you carry needs to meet certain requirements, like including at least $25,000 in bodily injury coverage per individual per accident.
Collision coverage
If you want damages to your own vehicle that you’re at fault to be covered, you need to invest in collision coverage. Liability coverage won’t cover you at all for damage to your own vehicle.
Without collision coverage, you’ll have to pay out of pocket for damage to your own vehicle unless another insured driver is deemed responsible. The costs of accident repairs can be enormous. In fact, your entire vehicle could be totaled in a severe accident. That’s why you need to have collision coverage on your auto insurance policy.
Uninsured and underinsured motorist coverage
The state of Idaho requires drivers to carry liability coverage. However, the unfortunate truth is that there are many drivers out there who don’t carry adequate coverage. If you have uninsured and underinsured motorist coverage, you’ll enjoy coverage even if you’re involved in an accident for which an uninsured driver was at fault.
If you’d like to learn more about meeting your auto insurance needs, we’re here to help at Fuhriman Insurance Agency. Get in touch with us by phone or online with any questions or inquiries you have regarding our auto insurance coverage options in Boise, ID.