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  • Writer's pictureRicketts Insurance Services

Common Auto Insurance Coverages In Boise, Idaho


In Boise, Idaho, as in other parts of the United States, there are several types of auto insurance coverage available to drivers. These coverages are designed to protect drivers financially in case of accidents, theft, or other vehicle-related incidents. Here’s a breakdown of the common types of auto insurance coverages that you might find in Boise, Idaho:

 

Liability Insurance: This is mandatory in almost all states, including Idaho. It covers damages and injuries you cause to others if you're at fault in an accident. Idaho law requires drivers to have minimum liability coverage limits.

 

Collision Insurance: This covers damage to your vehicle resulting from a collision, regardless of who is at fault. It's optional but often required if you're financing or leasing your vehicle.

 

Comprehensive Insurance: Also optional, this coverage pays for damage to your vehicle from non-collision incidents, such as theft, vandalism, natural disasters, and hitting an animal.

 

Uninsured/Underinsured Motorist (UM/UIM) Insurance: This provides protection if you're in an accident with a driver who either doesn't have insurance or doesn't have enough insurance to cover the damages they caused.

 

Medical Payments (MedPay) Coverage: This covers medical expenses for you and your passengers, regardless of fault, after an accident.

 

Personal Injury Protection (PIP): While PIP isn’t mandatory in Idaho, it's offered by some insurers. It covers medical expenses, lost wages, and other non-medical costs resulting from an accident, regardless of who is at fault.

 

Gap Insurance: If you're leasing or financing a car, gap insurance covers the difference between what you owe on your vehicle and its current market value if it's totaled in an accident.

 

Towing and Labor Coverage: This optional coverage helps with the costs of towing your vehicle and provides labor at the site of the breakdown.

 

Rental Reimbursement Coverage: If your car is in the shop due to a covered accident, this coverage helps pay for a rental car.

 

It's important to choose the right mix of coverages based on your needs, the value of your vehicle, and your budget. Remember, while opting for only the minimum required liability insurance might save you money in the short term, it may not fully protect you financially in the event of a significant accident. Consulting with a local insurance agent can help you understand the specific requirements and options available in Boise, Idaho.

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