Insurance exists to protect your assets. Trying to get by with the bare minimum can be very shortsighted and dangerous.

When it comes to auto insurance, the insurance industry and consumer groups generally recommend a minimum of $100,000 of bodily injury protection per person and $300,000 per accident.

Why? Because accidents may cost far more than the minimum limits mandated by most states.

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Call us TODAY at (208) 522-5151.  We can save you hundreds of dollars on your Auto Insurance coverage in Idaho Falls and surrounding cities in Eastern Idaho (Ammon, Ucon, Shelley, Iona).

• Don’t leave the scene.
• Call for medical assistance if there are injuries. Provide basic first aid.
• Call a law enforcement officer if needed. Get the officer’s name and police station address. Ask when the accident report will be filed, its case number and how to get a copy.

Remember, it’s also important to write down the following information about the accident:

• Date and time.
• Street and city.
• Weather and road conditions.
• Direction and speed you and other drivers were going.
• How the accident occurred.
• Record the license plate, driver’s license and insurance information numbers of each driver.

This information is based on an article published by the Better Business Bureau.

• $25,000 for injury or death of one person

• $50,000 for injury or death of two or more people

• $15,000 for property damage

With punishments for those individuals that do not obey the law.

It is an infraction punishable by a fine of seventy-five dollars
($75.00) for any person to violate the provisions of this section for the
first time. A second and any subsequent conviction for a violation of the
provisions of this section or the provisions of section 49-1232 or 49-1428,
Idaho Code, within a period of five (5) years shall be a misdemeanor,
punishable by a fine not exceeding one thousand dollars ($1,000), or by
imprisonment in the county jail not exceeding six (6) months, or both. The
department shall notify any person convicted of a violation of this section of
the penalties which may be imposed for a second and any subsequent conviction.

Remember, these are just the minimum requirements. If you have a loan on your car, your lender may also require comprehensive and collision insurance as part of the loan agreement. Including higher minimum coverage requirements.

• Bodily Injury Liability
• Property Damage Liability
• Personal Injury Protection
• Collision
• Comprehensive Physical Damage
• Uninsured or Under insured Motorist

Bodily Injury Liability

Helps pay your legal defense costs and claims against you if your car injures or kills someone. This covers family members living with you and others driving with your permission.

Property Damage Liability

Helps pay your legal defense costs and claims against you if your car damages another person’s property. This does not cover your property (including your auto).

Personal Injury Protection

Helps pay your medical expenses from an accident, as well as others riding in your car. This also pays for you or your family members injured while riding in another person’s car or while walking.

Collision

This pays for repairs for damage to your car. Damage caused by a collision with another vehicle or any other object, regardless of who was responsible.

Comprehensive

This pays for damages to your car resulting from theft, fire, hail, vandalism, or a variety of other causes.

Uninsured/Under insured Motorist

This pays for injury or property damage related costs to you or your family members and guests in your car caused by an uninsured, or under insured motorist, or hit-and-run driver.

The Coverage you need In Idaho Falls

Remember, as an Idaho Falls Insurance agent I can help you find theIdaho Falls Auto Insurance coverage you need to protect you and your family members.

You can use this website to get free auto insurance quotes, home insurance quotes, business insurance quotes, and health insurance quotes.

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