Liability Insurance | How Do Your Prepare Yourself For Accident

Liability insurance is what states require you to carry when driving a car. Your auto insurance policy has two types of liability coverage on it:

Well, if you want to know more about liability insurance, you can check out Amy Gatherum - Allstate Insurance website. She has the knowledge and expertise when it comes to this matter. She would go beyond just to stretch your options about this type of insurance.

A). Bodily Injury (BI) 

Idaho’s minimum liability limits for Bodily Injury are $25,000/$50,000.  This means that if "you" caused an accident and the "other  person" was injured, your insurance would pay up to $25,000 for their injuries.

If there was more than one "other person" hurt, your insurance would pay up to $25,000 for their injuries too, but it will stop paying out on injuries for all those "other person" once the total bill hits $50,000.

B) Property Damage (PD) 

Idaho’s minimum liability limit for Property Damage is $15,000.  "You" hit the "other person's" car, house, garage, mailbox, etc. your insurance will pay up to $15,000 to repair or make a settlement to replace the damaged/destroyed property.     

When you are reading your policy and verifying coverage (because hey, it is good to know what you have) the liability limits might show like this:

25/50/15.

Listen, hospital bills can add up quickly and car repairs can too. Because of this, carrying state minimums should make you shudder.

Please shudder. Why?

You could be on the hook for any repairs (body/auto, etc.) that go over the limits your policy pays.   

Be happy if you see these types of liability limits on your policy:

100/300/100 or,

even better, 250/500/250.

Preparing for something like this has a greater impact not just on your name but also on the other person you involved in your car accident. If you accidentally hit someone or something, please be responsible for the damage you caused to them.

Thank you for reading! Hope you learn something.