Idaho Car Insurance FAQ
Can I cancel my Idaho auto insurance policy before the expiration date without having to pay a cancellation charge?
Some companies will charge a cancellation fee if you cancel before the expiration of the policy. However, this fee has to be included in the policy application and agreement. This is something you should pay attention to when you sign your application and policy agreement. It should not be a deal breaker, but it is something you should be aware of if the circumstances arise.
What is PIP insurance?
PIP stands for Personal Injury Protection. PIP insurance covers what it deemed "reasonable and necessary" medical expense occurring from an automobile accident, regardless of who is deemed at-fault. If you have health insurance, then most of the coverage in a PIP plan will be duplicate coverage. However, PIP will cover passengers and pedestrians and can be a good hedge against a possible lawsuit if your injure someone and you are at-fault.
If I allow others to drive my insured vehicle are they covered under my policy?
With most insurance policies, anyone who you give permission to driver your car is covered. You should check with your insurance provider to make sure this is the case. Most insurance companies will urge you to place anyone who regularly drives your vehicle to also be placed on the insurance policy.
Can I insure my collector car with a standard auto insurance provider?
Most standard auto insurance providers will also cover collector cars. There are specialized car insurance providers that cover only collector cars. The insurance rates for the specialized providers are generally lower than those you can get from a standard provider; however, there may be some benefits from the standard provider not offered by the collector. As with all things in insurance, it is best to shop around for both specialized and standard companies to get the best Idaho car insurance policy for your specific needs.