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If you are a new car owner looking to get auto insurance within Boise, ID, you will likely face a few challenges understanding what your policy covers. Fuhriman Insurance Agency outlines some basic auto insurance terms to be on the lookout for, helping you get an easy time as you shop for your cover.
At-Fault Party
An at-fault party refers to an individual responsible for causing an accident. During an accident, the at-fault party pays for injuries caused to 3rd parties and repairs to 3rd party property damage.
Covered Risk
Covered risk represents incidents that your policy will help you pay for. These can include collisions with objects such as buildings and electric poles and vehicle damage from fire, hail, and vandalism.
Liability Insurance
Liability insurance is a policy that helps you pay for other parties’ injuries or their property damage. It comes in two forms, with the first being bodily injury liability and the second being property damage liability.
Medical Payments Coverage
Medical payments coverage is an auto policy that helps you pay your medical bills when injured during an accident. This policy also covers your passengers’ costs of medical treatment.
State Required Minimum
The state-required minimum is the limit or the stipulated insurance policy that every motorist is required to have. Failure to carry these required minimum policies could attract fines or lead to license revocation.
Uninsured Motorist
An uninsured motorist is any driver without insurance, with the same also applying to parties with insufficient coverage. When such a party hits you, your coverage pays for damages caused to your vehicle and injuries sustained by you or your passengers.
If in need of auto insurance that factors in your driving needs within Boise, ID, contact Fuhriman Insurance Agency today. Our agents will take you through our various coverage options to help you get a customized policy.