Cheap Comprehensive Car Insurance in Idaho – Free Rate Quotes
Reader’s Question:
What is exactly is the difference between comprehensive automobile insurance and collision insurance? I’m Anne from Nampa, Idaho, and I need information. Thanks!
Anne
Nampa, ID
Well, hello, Anne from Nampa, Idaho. I’m Dave, and I’ll be glad to fill your information needs. Let’s start first with collision automotive insurance. It’s the type of insurance that covers you when your car, as the name implies, collides with something, may it be another car or some other inanimate object. You’re also covered for a car rollover, which means literally just that, your car rolling over. For cases like these, the automotive insurance company will pay for the damages up to the car’s fair market value. Fair market value is the price that the car would get in the current market place, provided that both buyer and seller are informed about the property and are free from trade pressures. Simply put, it’s how much the car would sell at the time. Additionally, collision insurance policies work on a no-fault basis, meaning that you are covered regardless of whose fault it is.
Comprehensive insurance, on the other hand is the type that protects you from damages that are caused by everything else apart from collisions. Hence, the name comprehensive. Instances of such are fortuitous events, like flood or earthquakes, vandalism or theft. But of course, you have to read your policy carefully to know the exact details of your insurance plan.
What Does Auto Insurance Cost in Idaho?
Reader’s Question:
I just hit a deer in my vehicle and was wondering how much the damage would have to be for the insurance carrier in Pocatello, ID to total the vehicle. Is it the suggested retail value of the vehicle or half of it?
Bill
Pocatello, ID
When an insurance appraiser calculates the damages to your vehicle, he or she will determine how much it will cost to repair the vehicle. The repair appraisal is similar to the “blue book” value of your vehicle. The blue book value is the retail value or the fair market value of the car. So, how much would you have to pay a auto dealer or person for a vehicle as similar as possible to yours. If the cost of repairing your vehicle exceeds the fair market value, the vehicle is considered totaled.
If your vehicle is determined to be totaled, and if you think that the fair market value offered by the insurance company in Pocatello, ID is too low, you get more information. Get signed statements from car dealers that say the value of your vehicle. Look in the classified ad section of the newspaper for cost of vehicles similar to yours. You may use this information to negotiate a fairer settlement for you. Always obtain the information you need to support your case.
Driving Without Insurance Idaho – Will I Go To Jail?
Reader’s Question:
My 15 years old son who does not have a license yet, without my permission took my vehicle, drove it and got involved in an accident with another vehicle due improper left turn. No injuries on both cars but both vehicles have damages. The other vehicle is insured, my car is not. This occurred in Boise, Idaho. My question is , what legal consequences he might have or what should we be expecting from all this?
Jerry
Boise, ID
If the household member that took the vehicle is found to be at-fault in a crash there is the possibility that you could be held responsible since you are the owner of the car. The driver is liable as well and the other party will go after for the damages and may file it with their insurance provider.
As for your son’s case; the state maintains driving histories even for those without a drivers license, and requires all motorists under seventeen to comply with the requirements of the Graduated Driver Licensing (GDL) Program before they can get a drivers license.
If there was a police report filed, then he could have a lot of violations filed against him including driving without owner’s permission and driving without a license. These infractions could affect his eligibility to obtain his license, and as well as his insurance rates in Boise Idaho once he gets his license.
Minimum Liability Insurance in Idaho With SR22 – Free Quotes
Reader’s Question:
What is minimum liability for car insurance in Idaho? I need to know so I can get SR22 insurance from a different state, and they require this information.
Carol
Boise, ID
According to the Idaho state law proof of financial responsibility means proof of ability to respond in damages for liability, on account of accidents happening subsequent to the effective date of the proof, arising out of the ownership, maintenance or use of a motor vehicle, in the amount of twenty-five thousand dollars ($25,000) because of bodily injury to or death of one (1) person in any one per accident, and, subject to the limit for one (1) person, in the amount of fifty thousand dollars ($50,000) because of bodily injury to or death of two (2) or more persons in any one per accident, and in the amount of fifteen thousand dollars ($15,000) because of injury to or destruction of property of others in any one per accident”.
So in simple language, this means that Idaho’s minimum required car insurance limits are 25/50/15. This stands for Bodily Injury Liability coverage of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $15,000 per accident.