Am I Liable In A Collision?

Sandpoint, Idaho is located in the northern part of the state. There are many neighborhoods and communities found within the 83864 ZIP code and many families call this area home. Various things to do exist, including outdoor recreation through the city’s park system.

When you call this part of Idaho home, it’s important to understand how automobile insurance is going to protect you. The last thing you want to do is pay for all of the repairs and expenses out of pocket and that’s why the state requires everyone to have insurance if they are going to be on the roads.

When there is a collision, you may be liable. It all depends on who was the one responsible for the accident taking place. If you caused the collision, then you are going to be the one liable for everything – personal injury, property damage, and anything else.

Your automobile insurance policy in 83864 is going to cover you, at least in part. There are minimum requirements in Idaho that you must maintain. You can choose to go above and beyond these liability limits, however. We have agents who can assist you with determining the level of liability coverage that you should have on your policy based upon accidents in the area as well as your own driving record.

Regardless of how safe of a driver you are, a collision can happen and you could be held liable for all of the damages. If your insurance policy doesn’t have the full level of coverage based upon the cost of the accident, you could be responsible for the remaining amount out of pocket – and that could be enough to bankrupt you.

Contact one of our insurance agents today to find out how to protect yourself with the right policy.