If you drive a vehicle in Idaho, you’re required to have an active auto insurance policy to cover it. You need to have an auto insurance policy in place from the moment you buy your car and keep it for as long as you own it. Several types of auto insurance coverage are required to be in your auto policy. Some of these include different types of liability coverage. Call us at The Insurance Shop USA in Sandpoint, ID to learn more.
Accidents and Liability
Many don’t think much about car accidents or what could happen afterward. However, it’s important to be prepared. This is especially true for accidents in which you were the cause. You may not think you would cause an accident, but mistakes do happen, and you could be found at fault. That’s why you need liability coverage for your vehicle. If you cause an accident, this insurance will pay for the damages.
Bodily Injury and Property Damage
Your liability coverage is divided into two types. One of these is bodily injury liability, and the other is property damage liability. Both coverage types pay the other party when you cause an accident. Bodily injury pays for the medical bills and other associated costs that the injured party has. For some, this could include lost wages. Property damage liability is for damage you cause to another vehicle or any other type of property. Both of these liability coverage types come with very small minimums in Idaho. That makes it a good idea to get more coverage than the minimum.
Get Auto Insurance
If you don’t have an auto policy yet, don’t wait to get it. Call us at The Insurance Shop USA in Sandpoint, ID. We can tell you exactly what’s required in the state and help you choose the right policy for you.