In the state of Idaho, all drivers must obtain at least liability insurance to be able to legally drive in the state. This includes $25,000 of bodily injury coverage per person per accident, $50,000 bodily injury for all persons per accident, $15,000 property damage liability, and $25,000 uninsured motorist coverage and $50,000 of underinsured motorist coverage. Many motorists opt for more coverage than a basic liability insurance policy will provide for them so they can hit the highways with more peace of mind and confidence. These types of insurance policies include comprehensive and collision auto insurance coverage.
Your vehicle is extremely important to you and a sizable investment. If you borrowed the money to purchase your vehicle, your lender will more than likely require a more full coverage type of policy than liability insurance covers.
Collision insurance will protect you and your vehicle if you are involved in a crash due to a traffic accident, no matter who is at fault in the incident. It will provide coverage for repairs to your vehicle that may need to be made due to the result of an accident. This type of coverage also covers property damage and any damage to the vehicle that is a result of the collision with non-moving things, such as in a situation in which you strike a tree, pole, or building with your vehicle. If your car is deemed to be a total loss, your auto insurance company, this type of coverage may provide a replacement vehicle of the same or similar market value or a decent-size down payment for another vehicle.
Comprehensive insurance coverage comes in handy if your vehicle is stolen or the victim of vandalism or fire. This type of auto insurance coverage will also repair or replace your vehicle if it is damaged by a natural disaster, such as a tornado, hurricane, or hail storm.
There are many other add-ons that you can include in your auto insurance policy to provide you with as much protection as you want or need. To create the very best policy for you and your situation, you will want to enlist the assistance of an experienced and knowledgeable auto insurance agent in Idaho. She or he will have the skills and access to the information needed to offer you the best insurance options available.
The auto insurance agents at Idaho Select Insurance in Meridian, ID are ready to serve you and all of your auto insurance needs. Call to speak with an agent today!