Being in a car accident is stressful enough, but it’s even more stressful when the other driver doesn’t have insurance. If you find yourself in this situation, don’t panic.
At Infinity Insurance Group in Post Falls, ID, we’re here to help you through the process and make sure you’re taken care of.
Here’s what you need to do if you’re in an accident with an uninsured driver:
Exchange Information With the Other Driver
You’ll need their name and contact information. It’s also important to get the make, model, and license plate number of their car. If there are any witnesses to the accident, be sure to get their names and contact information as well.
Call the Police
Even if the damage appears to be minor, it’s always a good idea to involve the authorities. The police will document the accident and collect evidence that will be useful if you need to file a claim with your insurance company.
Take pictures of the damage to both vehicles as well as any visible injuries. These photos will be essential in proving the extent of the damages incurred.
Since the other driver is uninsured, you’ll have to file a claim with your own insurance company. Most likely you’ll need uninsured motorist coverage or uninsured motorist property damage coverage which are optional add-ons to your policy. The former covers your medical expenses while the latter covers damage to your vehicle.
Protect Yourself From Uninsured Drivers
No one wants to deal with an uninsured driver, but unfortunately, accidents happen. If you find yourself in this situation, don’t panic—just follow these steps and you’ll be able to handle it like a pro. And if you ever need assistance or have any questions along the way, don’t hesitate to give us a call at Infinity Insurance Group in Post Falls, ID — we’re always happy and eager to help.
If you’re a vehicle owner in Idaho, there’s a good chance you’re wondering if auto insurance is required in Post Falls, ID. The simple answer is yes. Here’s everything you need to know about car insurance in the Gem State.
Personal Vehicle Insurance is the Law
Most states require some level of coverage for drivers, and Idaho is no different. The state has some of the most stringent requirements in the nation. All drivers in Idaho must maintain a minimum level of coverage to operate a vehicle legally on public roads.
The required minimums are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
- Uninsured/Underinsured Motorist Coverage is Optional
While the minimum coverage requirements are necessary to drive in Idaho, they may not be enough to protect you and your loved ones in a severe accident. An Infinity Insurance Group agent can help you determine the right coverage amount to avoid fines and penalties in Post Falls, ID.
Other Coverage Options
That’s why Idaho also offers uninsured/underinsured motorist coverage. This coverage will help protect you if the other driver is at fault and doesn’t have insurance or if their policy doesn’t cover the full cost of your damages.
Besides the state requirements, you may also want to consider other types of coverage to help protect your vehicle. Some of the most common options include:
Collision Coverage: This type of coverage will help pay to repair your vehicle if it’s damaged in an accident, regardless of who is at fault.
Comprehensive Coverage: This coverage will help pay to repair or replace your vehicle if it’s damaged by something other than a collision, such as a fire, theft, or vandalism.
Contact Infinity Insurance Group in Post Falls, ID today to learn more about your policy options. We’ll help you find the right coverage to fit your needs and budget.
Infinity Insurance Group is an independent agency. We assist the Post Falls, ID community, as well as the surrounding areas. We work closely with multiple carriers across the region. This allows us to offer flexible policies that evolve over time as our client’s needs change. We are committed to providing excellent customer service and promoting integrity.
How Custom Auto Insurance Works
Auto insurance covers you as you travel around Post Falls, ID and other parts of the state. Collision coverage protects you if your vehicle is damaged in an accident. Comprehensive coverage protects you if your vehicle is stolen or damaged due to a fire or natural disaster such as a hurricane. Liability coverage is important. An accident can occur at any time. Liability coverage protects you if you are held responsible for injuring someone in an accident or if your vehicle hits a pole or wall and causes property damage. Liability coverage will assist with any repairs or medical treatment due to the accident.
Many Idaho drivers enjoy customizing their vehicles. If you have made custom changes to your vehicle, you will have to amend your auto insurance policy to cover the changes. If you have made some changes to your engine, you may be considered more of a high risk driver. An enhanced engine allows you to drive faster, which increases your chances of being involved in an accident. Consider adding more liability coverage. You should also amend your comprehensive policy to cover you if your custom car is vandalized. Storage coverage is another option to consider adding. Storage coverage protects your custom vehicle while you have it parked at a facility.
Infinity Insurance Group Will Help You Cover Your Assets
Visit our website to learn more information about auto insurance.
The moment you are struck by another car it feels like the entire world stops. Unfortunately, for many, this time is a complete blur, and they remember little to no details. Because things can flash by in a blur after an auto accident, it is vital to make sure everyone remains safe until help arrives. Then if there is time, you need to know what you need to do after to ensure everything gets taken care of and covered by the Post Falls, ID insurance companies involved. For more questions about auto accidents call Infinity Insurance Group today.
What Should I Do After A Car Accident?
The first thing you should do when you have been in an auto accident is to keep your safety and the safety of others around you in mind. First, call 911, request a police officer to the scene, and let the operator know if anyone involved in the accident needs medical attention. Then, if it can be safely done, pull your vehicle far enough off the side of the road, turn on your hazards and stay away from moving traffic while waiting for emergency services to arrive. Only get out of your vehicle if it is safe to do so; otherwise, remain in the car.
Document the Scene
Take photos of the accident scene with your phone, documenting damage to all vehicles involved, road conditions, and weather. If possible, get pictures of those involved to document any visible injuries. Take notes on what happened while it is all fresh in your mind. You want to have as much of a detailed account of what happened should you need to go to court or settle with the other insurance company.
Try to get the contact information for any witnesses who stopped, so the insurance company can contact them to discuss what they saw.
When the police show up, file your report and then contact your insurance company. Those in Post Falls, ID who have questions about their insurance coverage can speak with an expert at Infinity Insurance Group.