When you live in Idaho, it is required to have auto insurance if you drive. A few different types of coverage are included in an auto policy. These include specific minimum amounts of each kind of coverage. If you need auto insurance for your vehicle, call us now at Harrison Insurance and Financials LTD in Hailey, ID to find out more.
Bodily Injury Coverage
When the driver of your vehicle causes an auto accident, you have to have bodily injury coverage in place. Two amounts are required by Idaho for this coverage type. The first is an amount meant for one person who was injured in the accident caused by you or your driver. The second is a different amount required for all of the parties injured in such an accident, except for anyone in your vehicle. Both of these amounts are low compared to many other states, and getting coverage that exceeds the minimum is often recommended for drivers.
Property Damage Coverage
There is another amount required for the property damage done by your vehicle when the accident is the fault of you or your driver. However, this amount is relatively low, and it will likely not be able to pay for the property damage done to an expensive vehicle. Getting more than the minimum is generally recommended for this type of coverage. And, as liability coverage, it doesn’t cover damage to your vehicle. If you want that type of coverage, you can get collision coverage added to your policy.
Make Sure You’re Driving Legally
To drive legally in Idaho, you have to have this coverage and carry proof that you carry it. If you want to know more about auto insurance in Idaho or get started, call us now at Harrison Insurance and Financials LTD in Hailey, ID.