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Types of Coverage

In addition to the Idaho minimum liability requirements, drivers may also choose additional coverage at additional costs.  While these are not required, there are instances where they may be relevant, so do speak to your auto insurance about your specific needs.  The insurance industry lingo may seem foreign to you, so we’ve provided a handy cheat-sheet to use when choosing coverage:


First, Liability Insurance will be paid on your behalf to cover the amount of damage you do to others and/or to another’s property. 


There are two types of Liability Insurance:

  • Bodily injury liability
  • Property damage liability

 

More specifically stated, if the accident is your fault, then you are liable; therefore, your liability insurance will kick-in.

  • Medical Payments and Personal Injury Protection (PIP), which are types of medical expense coverage, will pay medical related expenses for you and your passengers if an accident occurs and for the medical expenses incurred while driving your car, someone else’s car or while you and your family members are pedestrians. 
  • Personal Injury Protection, also called PIP, will cover medical expenses, lost wages and/or funeral costs after an accident.  If you have disability insurance or good health insurance, you may not require the added protection of PIP.
  • Collision or Comprehensive coverage are not typically required; however,  they may be required by lenders when you borrow money to purchase a vehicle.  Collision coverage pays for your repairs after an accident, and Comprehensive coverage pays for damage to your car after any incident including fire, theft, vandalism and more.
  • Uninsured/Underinsured motorist coverage will provide coverage for medical bills if the person at-fault is either uninsured or underinsured.

 

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