What to Do When You Have an Auto Claim

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If you live in Idaho and drive a car, state laws require you to carry auto insurance. Choosing the right policy can be challenging for some drivers. If you’re in the Meridian, ID area, our team at Idaho Select Insurance is ready to help you find the coverage that fits your needs. Since 2015, we’ve been assisting drivers like you with their insurance needs.

What to Do When You Have an Auto Claim

Being involved in an auto accident can be overwhelming. After ensuring everyone’s safety and contacting the police, your next step is to notify your auto insurance agent about the incident. Take pictures of any damage to your vehicle and ask how to obtain a copy of the police report. Additionally, collect identification information from the other driver, as your insurance company will need this to process the claim.

According to the Idaho Department of Insurance, your insurance company will assign a claims adjuster to handle your claim. Even if you upload pictures of your car’s damage, the adjuster may decide to inspect your vehicle in person. It’s important to allow the adjuster to examine your car before any repairs begin. While your agent may recommend a specific garage for repairs, you are not obligated to use that facility.

Call Us Today for Your Appointment

Driving without auto insurance is a risk you shouldn’t take. At Idaho Select Insurance, we can help you find the coverage you need at a price you can afford. Drivers in the Meridian, ID area trust us for their insurance needs. Contact us today to schedule an appointment and let us help you feel confident about your insurance choices.

How Much Extra Coverage Does Umbrella Insurance Offer?

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It’s common to worry that your insurance policy might not be sufficient to cover significant damages in the event of an unexpected incident. Umbrella insurance is a practical solution to this concern, providing additional coverage to protect you when damages exceed the limits of your existing insurance policies. If you’re shopping for umbrella insurance, you may be wondering: How much coverage does umbrella insurance actually provide? Here’s what you need to know about umbrella insurance and how Idaho Select Insurance in Meridian, ID, can help you secure the extra protection you need.

How Much Extra Coverage Does Umbrella Insurance Provide?

Umbrella insurance offers substantial additional coverage, often in the form of millions of dollars. For example, if you’re looking for basic umbrella insurance, you can purchase a $1 million policy at an affordable rate. If you need more coverage, you can opt for a $2 million, $3 million, or even higher policy, depending on your needs. This flexibility allows you to enhance your existing insurance policies with significant protection, ensuring peace of mind in the face of unexpected liabilities.

Get Umbrella Insurance with Idaho Select Insurance

If you’re in need of umbrella insurance, Idaho Select Insurance in Meridian, ID, is here to help. We make it easy to compare quotes and find the right policy that fits your budget and coverage requirements. Whether you need personal or business umbrella insurance, we’re committed to helping you secure the protection you need. Contact us today to get started!

Does Renters Insurance Cover Tornado Damage?

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As weather patterns continue to change, it’s crucial to ensure you’re prepared for unexpected events. While Idaho isn’t typically known for tornadoes, that doesn’t mean they can’t happen in the future. The key is to have protection in place before an emergency arises. If you don’t own a home, renters’ insurance can provide valuable coverage to help you recover from disasters.

Covered Events

Renter’s insurance can reimburse policyholders for temporary lodging and the cost of replacing belongings lost due to a covered event. Most natural disasters, such as lightning damage, fires, and robberies, are considered covered events under standard policies. This coverage can provide peace of mind during challenging times.

Excluded Perils

While many natural disasters are included in renters’ insurance policies, some may be specifically excluded. For example, tornadoes and flooding are often excluded due to the high costs associated with these events. Insurance companies typically offer additional coverage options for these disasters. An agent at Idaho Select Insurance can help you review your policy and determine which events are covered.

Additional Coverage

Although tornadoes are rare in Meridian, ID, it’s still wise to prepare for the unexpected. Standard renter’s insurance will cover your belongings, but you should also ask about additional living expense coverage. This portion of your policy helps cover temporary lodging costs if your home becomes uninhabitable.

At Idaho Select Insurance, we understand the importance of being prepared for natural disasters. Our agents are here to help you find the coverage you need for peace of mind. Contact us today to discover your options. We proudly serve the Meridian, ID area.

Will Motorcycle Insurance Pay Medical Bills After An Accident?

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Motorcycle accidents are often higher risk than car accidents because riders lack the additional layer of protection that cars provide. This can result in severe injuries, overwhelming medical bills, and financial stress. Can your motorcycle insurance through Idaho Select Insurance help you? The answer depends on the type of coverage you have.

What Does Liability Insurance Cover?

Liability insurance is typically required by state law and provides coverage for bodily injury. However, it’s important to note that liability insurance usually covers the injuries of the other party involved in the accident, not your own. In this case, you would need to rely on your health insurance for medical care.

How Health Insurance Plays a Role

After a motorcycle accident in Meridian, ID, your health insurance will be your primary source of coverage, especially if you are at fault. In some cases, health insurance companies may seek reimbursement from the other party if they are found responsible for the accident.

Why Consider Personal Injury Protection?

Many motorcycle owners choose to invest in Personal Injury Protection (PIP), even if it is not legally required. In no-fault states, PIP is mandatory, but the state minimum coverage is often insufficient to address the extensive medical bills that riders may face.

PIP provides coverage for medical expenses, lost wages, and other costs, regardless of who is at fault for the accident. Insurance companies offering PIP typically provide various levels of coverage, allowing you to opt for protection beyond the minimum to ensure your family’s financial security.

Standard motorcycle insurance, especially liability-only policies, is rarely enough to cover medical bills after an accident. Fortunately, there are additional options available to ensure you’re adequately protected. Contact a representative at Idaho Select Insurance today to explore your coverage options. We proudly serve the Meridian, ID, area.

Does Flood Insurance Cover Burst Water Pipe Damage?

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If a water pipe bursts in your home, causing significant damage, you might assume flood insurance will cover it. The term "flood" seems applicable, right? However, insurance terminology doesn’t always align with everyday language, as your agent at Idaho Select Insurance, serving Meridian, ID, can explain. This is one of the most common points of confusion for homeowners.

Flood Insurance Has a Specific Definition

In the insurance realm, "flooding" refers to water originating from outside your home, like heavy rain, rising rivers, or storm surge. It involves water covering at least two acres or affecting two or more properties. Therefore, flood insurance is designed to protect against natural disasters, not household plumbing issues.

Burst Pipes Are Covered Under Homeowners’ Insurance

If a pipe bursts due to freezing or sudden failure and damages walls, flooring, or belongings, your standard homeowners insurance policy typically covers such an event. However, coverage depends on the cause. If the pipe burst was due to neglect—such as failing to maintain the plumbing or not heating your home in cold weather—your claim could be denied.

Timing and Maintenance Are Important

To avoid any surprises, review the language in your homeowners policy. Keep up with regular maintenance and take reasonable steps to protect your pipes, especially in winter. Insurers expect homeowners to do their part to prevent damage where possible.

Understand What Each Policy Covers

Flood insurance and homeowners insurance serve very different purposes. One protects against natural disasters; the other handles common household problems like plumbing failures. If you’re unsure about what each policy covers, your insurance agent can guide you through it and help you understand the limits and exclusions.

When it comes to burst pipes, homeowners’ insurance, not flood insurance, usually applies. Your agent at Idaho Select Insurance, serving Meridian, ID, can assist.

Does Boat Insurance Cover the Motor?

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A boat’s motor is a crucial component and often represents a significant portion of the vessel’s value. These engines are susceptible to theft, damage from accidents, destruction by severe weather, or mechanical failure. Therefore, boaters in Meridian, ID, may question if insurance covers motors that need repair or replacement.

Collision Coverage

The answer depends on the types of boat insurance you have. A liability-only policy won’t cover damage to your motor. However, collision insurance generally provides coverage if your vessel’s engine gets damaged in a crash. It applies to collisions with boats and some other types of objects, but won’t cover a motor that fails due to mechanical reasons.

Comprehensive Insurance

If you opt for a comprehensive policy, you’ll be protected against most losses involving severe weather or criminal activity. It usually covers motors that are stolen, vandalized, burned in fires, or damaged by heavy winds. The same goes for losses related to hail and lightning. Comprehensive insurance also covers damage caused by hitting animals.

Mechanical Breakdown

If your motor fails for mechanical reasons, it won’t be covered by regular liability, collision, or comprehensive insurance. However, policies with mechanical breakdown coverage do insure against some types of unexpected engine failures. To qualify, a breakdown has to occur suddenly and not because of poor maintenance. Insurers may not offer this option if you have an older boat.

For reliable coverage of your vessel and its motor, turn to Idaho Select Insurance in Meridian, ID. Our agents can help you find the right type of boat policy and compare insurance options from several major companies in one place. To get started today, please get in touch with Idaho Select Insurance.

Common Misconceptions About Life Insurance: What Meridian Residents Should Know

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If you’ve considered getting life insurance in Meridian, ID, but have allowed misconceptions to deter you, Idaho Select Insurance wants to clarify some of the common misconceptions.

Misconception #1: It’s Only Necessary for Older People

This is one of the most common misconceptions, and it’s heartbreaking when younger people experience loss and have insufficient coverage (or none at all).

Life insurance protects you against the worst-case scenario – you lose a loved one. Accidents happen daily, and you don’t want to be left with all the expenses if the unthinkable happens.

Policies are available for people of all ages.

Misconception #2: It Only Covers Funeral Costs

While life insurance can be used to cover funeral costs, it’s possible to get policies that are worth $1 million or even more. This allows you to cover all sorts of the expenses once a family member passes away. You can ensure that a mortgage is paid off, kids get their college tuition covered, and so much more.

It’s all the more reason to talk about the necessary coverage with an experienced insurance agent.

Misconception #3: It’s Too Expensive

The reality is that life insurance may be a lot more affordable than you think. It’s based on such things as age, gender, and health. The younger you are when you seek coverage, the cheaper a policy can be – and free quotes are available.

Discuss Life Insurance with Professional Agents Today

Whether you want to discuss more life insurance misconceptions or are ready to discuss a customized policy for you and your family, we’re here to help. Contact us at Idaho Select Insurance today. One of our agents can answer your questions, guide you through the many insurance options, and ensure you have the coverage you need when it’s needed the most.

The dangers of self insurance

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At Idaho Select Insurance in Meridian, ID, we’ve been receiving more inquiries from homeowners about self-insuring their homes. As home prices and home insurance rates rise, some may consider self-insurance as an option. Here’s what you should know.

Homeowners Insurance May Be Required

If you have a loan or mortgage on your home, self-insurance is likely not an option. Your lender will probably require you to carry home insurance. If you fail to maintain it, they can force-place insurance on your home, which is costly and not in your best interest.

When Your Home is Mortgage-Free

If you don’t have a loan or mortgage on your property, you may no longer be required to carry home insurance. While this may seem liberating, it can also be risky.

You Will Absorb Any Losses from Damages

If you choose to self-insure, you are entirely responsible for any damage your property sustains. This can be substantial in the event of a devastating fire or stale. If you’re not financially prepared to absorb such a loss, it can lead to financial ruin.

Risks of Liability Claims

While you can put a number on the financial value of a home, there are no limits to the potential liability you may face from an accident injury liability claim. This adds to your risk of self-insuring.

You Have Options

There are alternatives to going without insurance or completely self-insuring. To limit costs, consider minimizing your insurance coverage. Think about lowering your coverage or raising your deductibles before opting for self-insurance. The risks may not be worth it.

Contact Us

If you don’t have a mortgage and want minimal home insurance, contact us at Idaho Select Insurance in Meridian, ID. We also review your current policy and ensure you are in compliance with your lender. We can provide basic coverage, which is preferable to losing self-insurance. Contact Idaho Select Insurance today.

The Impact of Vehicle Modifications on Auto Insurance Policies

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Customizing your vehicle can be an exciting way to personalize it. Modifications can transform your car into something unique, whether it’s a flashy new paint job, upgraded tires, or a powerful engine boost. However, before you make any changes, it’s important to understand how vehicle modifications can affect your auto insurance policy. At Idaho Select Insurance in Meridian, ID, we’re here to help you navigate the impact of these changes on your coverage.

Modifications Can Increase Your Premium

Insurance companies view vehicle modifications as changes that could increase the value of your car or alter its performance. For example, installing a turbocharger or upgrading your suspension can make your vehicle more powerful but also make it riskier to insure. A higher risk typically means a higher premium. Even cosmetic changes, like custom rims or body kits, can raise your rates because they increase the cost of repairs in the event of an accident.

Some Modifications May Void Your Policy

Certain modifications could even result in the cancellation of your policy if they violate your insurer’s terms. For instance, significant performance enhancements that make your vehicle less safe or illegal in certain areas might not be covered. It is always a good idea to contact your insurance provider before making any major changes to your vehicle.

Coverage for Modifications

If you’ve invested time and money into upgrading your car, you’ll want to protect your modifications. Some insurance companies offer additional coverage options for customized vehicles, so your policy should include your modifications.

Contact Idaho Select Insurance in Meridian, ID, today for expert advice on how vehicle modifications affect auto insurance. We’ll help you find the right coverage to protect your car and investment.

How Umbrella Insurance Can Help

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Cover Your Assets in Meridian, ID with Umbrella Insurance

Protecting your assets is a good financial move today, as it was in the past. When an event occurs that requires your insurance policy to pay, you want to know you have enough coverage. However, this is not always the case.

Benefits of Umbrella Insurance

You may wonder if umbrella insurance is necessary if you have homeowners’ insurance and your vehicles are insured. Umbrella insurance steps in when your policy’s limits are reached. You are on your own if you do not have additional insurance protection. To avoid this financial dilemma, umbrella insurance can help with the costs of claims covered under the policy, such as your vehicle, home, or boat coverage.

Umbrella insurance is helpful in many situations, such as providing bodily injury liability to cover liability claims and medical bills. These may result from a guest falling while visiting your home, an auto accident where you are the person at fault, someone being injured while in your yard, or your dog injuring someone.

If you own rental property, umbrella insurance protects you against liability claims against you as the landlord. A claim for damages could result from someone losing their footing and falling due to a damaged or cracked sidewalk on the rental property.

Other areas where umbrella insurance provides coverage include libel, slander, malicious prosecution, mental anguish, false imprisonment, and false arrest.

Contact Our Company

Understanding insurance and the available options to help you be financially secure in case of an accident or damage, our team at Idaho Select Insurance will guide you through the maze of information. We are here to answer your questions and help make it easy to feel safe and secure with the right insurance coverage.