Harrison Insurance and Financials, Ltd

101 E Bullion St, 2A
Hailey, ID 83333

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Required Auto Insurance in Idaho

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.

 

Comprehensive coverage options for ID business owners

Harrison Insurance and Financials LTD is here to help Hailey, ID area business owners protect their companies. If you want to make sure that your company has the protection it needs before anything happens, now is a perfect time to schedule a policy review. 

Benefits of comprehensive commercial insurance

The main benefit of a comprehensive insurance policy is the peace of mind that comes with knowing that your business has the protection it needs. When you’ve worked hard to establish a successful business, it only makes sense to protect it! 

  • A comprehensive policy includes coverage of assets such as equipment, vehicles, inventory, and property
  • With comprehensive coverage, your business is protected from loss and catastrophe
  • Features such as business interruption coverage can make sure that your company is able to return from a covered event

If you are a decision-maker or a business owner, you owe it to yourself to make sure that your firm is protected. We recommend that our clients have their entire insurance portfolios reviewed on a regular basis. Remember, as your profits and assets increase, so too do your insurance needs. Don’t wait until your company experiences a covered event to learn that your current policy is insufficient.

There are a number of different options available for business owners in our community. Schedule an appointment today to learn more about the possible policies that could protect your firm.

Protect your company today!

Hailey, ID area business owners can count on Harrison Insurance and Financials LTD for all of their insurance needs. If you would like to explore the comprehensive commercial policy options that are available in our area, give us a call and schedule your consultation today.

Why Basic Auto Insurance Isn’t Always the Best Choice

This is a common scenario. You are shopping for car insurance, and identify coverages that will protect you and your car optimally. But at the point of paying, you only settle for basic car insurance in the name of saving some bucks. But is this wise?

Purchasing basic auto insurance might seem like an excellent idea at first glance but may turn catastrophic when you are involved in a significant incidence. According to Harris Insurance of Jasper, AL, here is why basic car insurance isn’t always a good idea.

Required auto insurance in Alabama

Motorists in Alabama are required to include the below coverages in their auto insurance:

  • Bodily injury liability: This insurance policy protects you when you cause an accident, inflicting bodily harm to third parties. The required minimum amount is $25,000 per accident and a minimum of $50,000 for accidents involving several victims.
  • Property damage liability: It protects you when you are at fault for an accident that causes property damage to third parties. The minimum amount required is $25,000 per accident.

Now, should you settle with a car insurance policy that includes the above coverages, are you safe? Are the coverages sufficient to cover you in all facets of car ownership? The answer is no. At Harris Insurance, we usually advise our clients to increase coverage limits and consider other car insurance coverages.

Why basic car insurance is never enough

If you are settling for basic auto insurance, you need to upgrade because basic car insurance:

  • Has insufficient coverage limits: The insurance limits of "50/25/25" won’t suffice when involved in a severe accident. Uncovered car accident expenses mean that your assets will be at stake.
  • Covers third parties only: Basic car insurance doesn’t cover you and your car. That said, you need to consider comprehensive, collision, PIP, and other optional car insurance covers for optimal protection.

Are you looking to insure your vehicle beyond the minimum? If you are in Jasper, AL and its environs, please contact Harris Insurance for a well-rounded car insurance policy.

How to handle an auto insurance claim in Idaho

Car accidents happen so fast that you hardly have time to think or find help. Fortunately, an auto insurance policy can help you get back on your feet. Insurance experts at Harrison Insurance and Financials LTD advise Hailey, ID drivers to learn how to file a claim to request reimbursement for damage and injuries. Here is what you can do in case you’re involved in an accident.

Call the police

Your mind may not be in the best position to assess what has happened. Calling the police to take down the details is the best way to handle your claim process. Sometimes, the other party may be difficult to deal with, and that’s why an officer may be necessary for ensuring that they cooperate and you don’t get hurt. Officers also ensure ambulances and emergency services are provided in time to handle injuries.

Gather information about the accident

Collect the necessary information, including the other party’s contacts, vehicle registration, time, weather, and location where the accident happened. It is also essential to note down the badge name of the officer who attends to you. Your insurance company will need these details.

Call your insurer

Contact your Hailey, ID insurance company as soon as it is safe to do so. They will record the information you provide and send someone to come and check out. They will also advise you on the next steps, such as towing your vehicle from the road and finding a replacement for you.

Avoid mistakes that can jeopardize your claim.

Finally, avoid mistakes that could cost your insurance claim. We recommend never accepting fault, sharing details of your coverage limits, or receiving money from the other driver. The other party may try to blame you for avoiding paying for damage if they find out your insurance limits are higher.

To learn more about auto insurance claims, feel free to contact Harrison Insurance and Financials LTD, and we will be happy to guide you through.

Differences Between Purchasing Auto Insurance for a Used Car and Brand New Car

Purchasing a car on its own can be a bit stressful on its own with all of the options you may be presented with. However, what happens if you are choosing between a brand new car and a used car? A major difference between the two options is figuring out how different are the available insurance policies. Here is a quick rundown on auto insurance differences between used cars and new cars. 

Harrison Insurance and Financials LTD is based in Hailey, ID. We are a local agency that has served the drivers on the road for 31 years. We take great pride in what we do by making sure our clients are happy and satisfied with the auto insurance policies that they utilize from us. When it comes to purchasing insurance for a used car versus a new car, there are important factors to take into consideration. 

With a used car, the insurance is likely to be on the lower end of the spectrum due to the fact of depreciation value, and the features that come along with the car. It may not be necessary for you to get full coverage auto insurance for a used car. 

However, purchasing a brand new car off of the lot will come with a variety of factors. Routine repairs/maintenance for a new car is going to be more expensive to cover and a high price for totaling/replacing if necessary. Another factor that is taken into consideration for both options is your driving record. 

Discuss with one of our agents at Harrison Insurance and Financial LTD about any concerns or questions that you have. Contact our office in Hailey, ID to speak with one of our agents about the available options for your auto insurance needs.

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