Idaho Auto Insurance - Obeying The Law
Idaho Auto Insurance - Obeying The Law
Idaho Auto Insurance - Obeying The LawIdaho auto insurance issues are no different from other states. The state has looked at ways of ensuring that road user are protected from careless and reckless drivers. Their solutions is to demand a minimum liability coverage from every driver who wishes to drive legally in the state. We would look at these state required minimum cover.
The first thing the state requires is that you must have a minimum of $25,000 liability cover for bodily injuries for each person.
Secondly, there is a minimum of a $50,000 liability cover for bodily injury per accident.
Lastly, The state also requires a minimum property damage liability cover of $15,000.
One other thing the state demands is that your insurance agent MUST offer you an uninsured/under-insured coverage. Though the state demands that they offer you this coverage, you are at liberty to decline. You would however be required to do so in writing. It is obvious from this that the state authorities know that some people would be under-insured and that some others would be totally uninsured so to protect law abiding drivers, they are strongly advised to get coverage against uninsured/under-insured drivers.
After you have met the state minimum requirement, you may feel you have done enough. You are wrong. This is just a minimum requirement. Many people have found themselves needing much more cover. You also need to know that this state required minimum coverage is not meant to protect you but to protect the other road user since it comes into effect when you are at fault in an accident.
It would be a wise decision if you looked at getting some extra cover for yourself. Some coverages to consider are Collision and Comprehensive coverages. Of course, not forgetting the uninsured/under-insured driver cover.
Getting affordable auto insurance can seem difficult especially if you are not aware of the little things you can do to get it. You should start by getting and comparing quick auto insurance quotes. The free quotes would help you get a more affordable auto insurance cover. You can also increase your savings by qualifying for discounts on your policy. Make sure you ask your insurance agent about this.
Getting information about Idaho auto insurance is quite easy. All you have to do is call the Idaho Department of Insurance at (800) 721-3272 and ask them for the information you need.
Your car insurance is very important. Do not drive without sufficient cover.
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