Although the weather in Boise, ID is typically mild year-round, some weather conditions can negatively impact your drive. Learn how local weather patterns can affect your auto insurance from the professionals at Fuhriman Insurance Agency. 

Winter Weather Risks for Boise Drivers

Weather conditions like snow, ice, and thick fog can lead to more head-on collisions and sideswipes as local drivers try to navigate slick or icy roads. An increase in regional auto accidents can lead to higher out-of-pocket expenses without the proper auto insurance coverage in place. 

Hailstorm Risks 

The latest group of damaging storms has produced record-breaking sized hail that can wreak havoc and cause significant damage to local automobiles that aren’t safely tucked away in a protective carport or shielded from damaging hailstones by a garage. 

Wildfire Risks 

Increasing local risks for wildfires can also contribute to hazardous driving conditions for Boise area residents. Investing in a comprehensive auto insurance policy can help shield your automobile and your finances from the devastating financial fallout that can occur due to unpredictable weather in the region. 

Get Comprehensive Auto Insurance in Boise, ID 

One of the best ways to protect yourself and your four-wheeled investment from the damaging and unpredictable effects of rapidly changing weather patterns is to invest in a comprehensive auto insurance policy that covers collision and non-collision-related incidents. 

Talk to a trusted local insurance agent at Fuhriman Insurance Agency in Boise, ID, to learn more about how you can get coverage for natural disasters, theft, vandalism, and animal collisions.

Our knowledgeable and friendly agents can provide professional guidance and offer you a customized auto insurance quote based on your driving history and budget.

Car owners are responsible for maintaining auto insurance. If you live in the Boise, ID, area, we invite you to visit us at Fuhriman Insurance Agency. We offer the services of our knowledgeable staff, who will take the time to listen to you and develop the right auto insurance policy for your needs. 

Reporting an Accident 

Drivers need to contact their insurance carrier as soon as possible after the accident. Your insurance company will need information to conduct a claim investigation. Drivers involved in a car accident should also take pictures of their cars afterward.

Determining Who Is at Fault 

According to the Idaho Department of Insurance, the driver at fault will be determined after an investigation by the insurance company. Both drivers might be found to be at fault. Many people don’t know that fault is not automatically assigned to a driver who has been issued a ticket for a traffic violation.

Car Rental Coverage 

If damages from a car accident result in car repairs, you may wonder if your insurance will cover a rental car. If your auto insurance approves payment for a rental car, the payment will continue when repairs are made. Your policy will limit the amount of car rental reimbursement. Some insurance companies will not pay for a rental car if your car is declared a total loss. 

Call Us Today for an Appointment 

Residents of Boise, ID, looking for auto insurance solutions, will find them at Fuhriman Insurance Agency. The agency’s founder, Dan Emery, began serving insurance clients in the Boise area in 1962. We have continued to provide responsive service to the community. Call us today to discuss options that will fit your auto insurance needs. 

Owning a car is important for those in the Boise, ID area. If you plan to buy a car in this area, you need to get the right insurance for it. There are many unique coverage options when building your next auto insurance plan.

Rental Reimbursement

If your car is ever damaged and you need repairs, you could be without a vehicle for days or weeks at a time. A rental reimbursement clause in your insurance plan will provide you with rental car reimbursement during this time. 

Gap Insurance

Auto insurance tends to provide compensation up to the market value of a vehicle. For many car owners, particularly those who have taken out a loan, there is a time when the loan balance exceeds the market value. A gap insurance benefit and policy will cover this gap to ensure you can pay off the loan. 

Uninsured Motorist Coverage

There are situations when a motorist may cause an accident. While they are responsible for damages, they may not have the proper insurance in place. With an uninsured motorist coverage plan, you will get the support necessary to cover your damages if the at-fault party does not have enough coverage to pay for all damages incurred. 

There are many important factors to consider when you are building an auto insurance plan in the Boise, ID area. If you choose to purchase a car here and want insurance support, call our Fuhriman Insurance Agency team. Our team knows all about this coverage and will offer the help you need to build your next policy. 

Anyone that lives in the Boise, ID area will find that owning a car is a good idea. With a car, you can get around the community and enjoy all the local amenities. When you choose to buy a car, you must also get insurance. A lot of benefits will come with having an auto insurance policy in this area. 

Cover Your Car

An important benefit that will come when you have an auto insurance plan here is that you can cover your car. If you are going to invest in a vehicle, you will be making a large purchase that you will want to enjoy for a long time. A great way to protect this vehicle is by getting an auto insurance plan with full coverage. With comprehensive coverage, you can have the support needed to replace or repair your vehicle if you incur a loss. 

Comply with all Obligations

A full auto insurance plan will also ensure you comply with all obligations. If you buy a car, you will likely take out a loan, and the lender will require you to carry comprehensive insurance. Further, the state of Idaho requires all drivers to carry liability coverage. You will remain in good standing with all such obligations if you maintain an auto insurance plan. 

It is always a good idea for people in the Boise, ID area to get an auto plan for their car. When you are ready to start looking for coverage here, call us at the Fuhriman Insurance Agency. At the Fuhriman Insurance Agency, we know the value that comes with this coverage. We can offer the guidance you need to build a plan that covers your vehicle correctly. 

Auto insurance is a necessity if you want to legally drive a vehicle. Luckily for you, we sell auto insurance to motorists in Boise, ID at Fuhriman Insurance Agency. 

Auto insurance policies can protect you from all sorts of problems as a vehicle owner. The following are three problems you can avoid by choosing the right auto insurance policy. 

Facing a great deal of financial damage as the result of an accident

A car accident can cost you a lot of money. Not only can you lose the value of your vehicle without auto insurance coverage, but you could also face high expenses from lawsuits and medical bills. 

One of the most significant benefits of the right auto insurance policy is that it can protect you from financial damage. 

Paying for excessively high auto insurance premiums

The right auto insurance will offer you adequate coverage at a competitive price. If you do your research and find the right policy, you can avoid paying excessively high insurance costs as a vehicle owner. 

Dealing with frustrations when you have to file an auto insurance claim

A good auto insurance policy comes from a company that offers good customer service. Good customer service makes it convenient and straightforward for you to file a claim when necessary.

If you find the right auto insurance policy, you will enjoy a streamlined process and helpful one-on-one attention whenever you need to file a claim. This can save you from many frustrations after the already stressful experience of being involved in a vehicle accident. 

Let us assist you with researching auto insurance policies available to you as a motorist in Boise, ID. Get in touch with us at Fuhriman Insurance Agency to learn more. 

When you drive in Idaho, you are required to have auto insurance for your vehicle in virtually all cases. When you get this insurance, it will have different types of coverage within the policy. If you have an Idaho vehicle and need to get it insured, give us a call today at Fuhriman Insurance Agency in Boise, ID.

Liability Auto Insurance

Vehicles are required to have liability coverage in Idaho. The state mandates two types of liability coverage with three different coverage amounts to be included in the policy. The state requires both bodily injury or death liability as well as property damage liability. An amount is required for one person injured or killed in an auto accident. A higher amount is required for everyone who becomes injured. In addition, there is an amount required for property damage liability. All these coverage types pay for damages for third parties, not for you or anyone in your vehicle. 

Uninsured Motorist Insurance

The state also mandates that the auto policy must have coverage for uninsured motorists, though this requirement can be waived in writing. This coverage pays for your injuries and damages if you are in an accident with a motorist without insurance. The amount of this coverage has to be the same as the amount of bodily injury liability. The amounts of all these coverage types, as required by law, are relatively low when looking at other states. That’s why it’s generally recommended that you get higher coverage than is required. The state minimum amount may not be enough for a serious accident. 

Get Your Vehicle Covered by Auto Insurance

Having at least the mandated insurance amounts is essential, so you aren’t subject to fines and fees. Call us at Fuhriman Insurance Agency in Boise, ID, when you need insurance.

ATVs and other outdoor toys are a ton of fun, but it’s essential to make sure that you have the protection you need. Folks in the greater Boise, ID area can turn to the team at Fuhriman Insurance Agency for all types of insurance protection. Get in touch and find out more!

Protect your toys and yourself

Owning an ATV, snowmobile, or similar type of outdoor toy can bring a lot of fun to your life. What better way is there to spend the day with friends and family? Ensuring that you have the protection you need before you get out on the trail is also important. 

Insurance protection is essential whether you are enjoying your vehicle on public or private land. Losses from damage to your car aren’t the only pitfalls for toy ownership. It’s also possible to experience an accident that causes injuries. This can create a situation where you may be held personally liable for several different kinds of expenses. 

Injuries that require medical attention can happen, and who pays for the medical care if someone is injured in your vehicle? Medical expenses and liability are often higher-risk situations than damage or loss of the vehicle itself. You don’t want to have financial responsibility for losses that the right toy insurance policy can cover. Now is the time to review the toy insurance options that are available.

Find out more today!

Outdoor enthusiasts in Boise, ID can rely on Fuhriman Insurance Agency for all of their insurance policy needs. We can help you find the right policy to protect you from loss and liability. Get in touch today and find out more about this necessary type of insurance. 

Purchasing auto insurance is not only mandatory but cushions you financially when accidents happen. While most people have invested in car insurance, only a few bother to update the policy. If you want to get the best out of your car insurance, reviewing it regularly shouldn’t be an option.  Not sure when you should update your car insurance? Fuhriman Insurance Agency in Boise, ID is here to guide you.

When you change your personal details

If you have changed personal details, such as your name, it’s essential to inform your insurer. Most couples change names after marriage only to forget that informing their insurer is necessary.

Also, don’t forget to change the name on the license since the name on the insurance policy should match the one on the license.

When selling your current car

Would you like to upgrade your current car? No problem. All you need to do is inform your insurer. The good thing is that most insurance companies allow you to transfer your existing policy to your new one.  However, the premium may go up if the value of your new car is high.

Moving to a new address

Where you live is one of the factors that’s considered by most insurers when computing your premium. If you are moving locations, inform your insurer. They will advise whether there will be any changes in your premium.

Change of use

Want to convert your car into a commercial? You just need to update your current car insurance to commercial auto insurance. This way, your claim won’t be rejected when your car is involved in an accident when running business errands.

Learn more about car insurance

Reviewing your car insurance not only makes the processing of claims smooth but also ensures your current needs are covered. Want to update your auto insurance in Boise, ID. Please get in touch with Fuhriman Insurance Agency for guidance.

Most states require motorists to buy auto insurance. And if you are on a budget, you might be tempted to stick to basic auto insurance to meet the state’s minimum requirements. But is this enough? Of course not. It would be best if you had more than the state-required auto insurance to protect yourself, your car and your family. But how much auto insurance do you need? Fuhriman Insurance Agency of Boise, ID has the answer.

What’s the minimum insurance I need?

If you want to have adequate car insurance, you first need to meet the state’s requirements. For instance, motorists must purchase bodily injury liability of $50,000 per accident and property damage liability of $15,000 for every accident in Idaho. Underinsured and uninsured motorist policy is required, but you can reject this in writing.

How much liability insurance do I need?

Liability insurance covers bodily injury and property damage to others. It also covers legal costs should you be sued. We usually advise clients to maintain liability coverage of $500,000, covering bodily injury and property damage liability.

However, if you need additional liability coverage of, let’s say, $1 million, we advise you consider umbrella insurance.

How much physical damage coverage do you need?

Opt for comprehensive or collision coverage that can compensate the full amount if your vehicle is totaled. As for deductibles, choose an amount that you are comfortable with. But remember, the higher the deductible, the lower the premiums — and vice versa is true.

How much medical payment coverage do I need?

This depends on whether you have a health insurance plan and its benefits. But even if you have health insurance coverage, you should consider MedPay because it gives you and your family additional coverage like partial wage compensation.

Still not sure how much auto insurance you need? Please get in touch with Fuhriman Insurance Agency of Boise, ID for an affordable quote.