Staying Legal in Idaho Falls

Driving is a privilege and not a right. Breaking the law carries its consequences. Every driver operating a motor vehicle on an Idaho roadway is required to carry minimum liability insurance, but other insurance is also recommended. An Idaho Falls auto insurance representative can point you in the right insurance direction.

MANDATORY MINIMUM LIABILITY INSURANCE

Idaho requires minimum liability insurance of $25,000 per person, $50,000 per occurrence and an additional $15,000 in property damage coverage. If found guilty of violating Idaho’s mandatory insurance law, fines and court costs could be more painful than the actual cost of obtaining insurance. Liability insurance can protect passengers in your vehicle and others on the roadway too. It provides an avenue for financial compensation for other drivers, their passengers, your passengers, pedestrians, and bicyclists.

Even if a driver is at fault in an accident and nobody is injured, it covers damage to the property of others.

MEDICAL PAYMENTS COVERAGE

This coverage can pay medical bills for anybody in your vehicle that’s injured in an accident, regardless of who was at fault. Coverage can be for $1,000, $5,000, or even $25,000. Medical payments coverage isn’t at all expensive. Everybody should drive with it since an emergency room visit alone can cost $5,000. So, go to the hospital or go see an Idaho Falls auto insurance agent?

UNINSURED/UNDERINSURED MOTORIST INSURANCE

If you carry this type of insurance, it can help compensate you or your passengers if you are in a covered vehicle and hit by an at-fault driver that is uninsured. It can also cover you or members of your family if hit by an uninsured driver while a pedestrian or bicyclist. Underinsured motorist insurance is almost always packaged in with uninsured coverage. Underinsured coverage could apply if you incur $50,000 of damages and the at-fault driver only has $25,000 of liability coverage. You can claim the additional $25,000 directly with your insurer. Since this coverage costs significantly less than liability coverage, it’s a wise purchase, particularly with the number of uninsured drivers on the road.

COLLISION COVERAGE

Two Drivers Arguing After Traffic CollisionThis coverage pays for damage to your vehicle that you cause yourself, such as driving into a median or hitting a tree when avoiding a deer. Claims can also be made on collision coverage for damage caused by a hit-and-run driver. You can even get your vehicle repaired through this coverage if a known driver caused the accident.

COMPREHENSIVE COVERAGE

If your vehicle wasn’t in an accident but was damaged by theft, vandalism, or a storm, or other natural causes, comprehensive coverage can be used for repairs. If the vehicle is financed, the lender will most likely require both collision and comprehensive coverage.

It doesn’t cost anything to stop in and talk with an Idaho Falls auto insurance agent. They’re professional, experienced, caring, and pleased to discuss your specific needs with you. They take pride in the fact that that they’ve serviced generations of the same local families and look forward to taking care of your Idaho Falls auto insurance needs.