Category: Auto Insurance

An auto accident is an unexpected problem, and it helps to know what to do after filing the claim with an auto insurance company to compensate you for the damages. 

First, a claims adjuster will contact you within a brief time frame and manage your claim. They will find out how the accident with your vehicle happened. They may ask for additional information they would need to investigate your auto insurance claim, too. 

You may need to know information about what to do next. The Insurance Shop USA in Sandpoint, ID could be the insurance company that helps you with your questions. They care about giving you the answers you need as soon as possible. Being quick to respond is important after an automobile accident. Call us today to get the help you need with your policy.

Is there a repair shop that the insurance company could recommend?

If the auto insurance company recommends a "preferred" auto repair shop, it may give you faster service or even guarantee the repairs. Get this guarantee of repair quality in writing.

How will the damages to your vehicle be inspected?

You may need to take photographs of the damages to your vehicle, or a claims adjuster may come to your vehicle for this inspection. 

If the fault of the accident is not known yet, when will this information be known and given to you?

The insurance company may need time to assess the fault of the accident, and the claims adjuster may know the time frame.

Call The Insurance Shop USA in Sandpoint, ID today to get the help you need with your policy.

You faithfully renew your auto insurance every year, but have you thought about whether it covers all aspects of your risks? Most motorists do have car insurance but don’t give it a second look to ensure it covers their current needs. At The Insurance Shop USA in Sandpoint, ID, we usually tell our clients to update their car insurance policy every year. However, sometimes you don’t have to wait for a year to lapse. When the below happens, please inform your insurance agent to review your car insurance right away.

Buying or selling your car

Getting a new ride? You need to review your auto insurance. The good thing is that you can transfer your old policy to your new car. However, you need to update the policy with the details of your current vehicle.

The same case goes if you have sold your car. Inform your insurer to remove the car from your policy. Otherwise, you might pay for insurance that you no longer need.

If you move

Secured a new job in another state? Inform your insurer because the location could be one of the factors that affect your car insurance. Plus, you would want to have an insurer with a presence in your current state.

Commercial use

If you are using your personal car to run business errands, update your insurance to commercial to get coverage when accidents happen.

A new teen driver

Once your teenage son or daughter starts driving your car, they aren’t automatically added to your policy. It would be best to inform the insurer to make the necessary adjustments.  

Learn more about car insurance policy

Still not sure whether you need to update your car insurance? Don’t worry. At The Insurance Shop USA, we will always make time for you. Get in touch with us for any questions you might be having. You can also pop in our Sandpoint, ID offices to chat with one of our agents in person.

Do you drive a vehicle in Sandpoint, ID? Then you should have car insurance!

It may seem silly to even say that, but not everyone drives with auto insurance, and that’s a dangerous choice to make on a daily basis. The benefits of auto insurance are reason enough to invest. Liability coverage is required by state law in Idaho, and getting caught without it will mean a ticket and penalty, along with the risk of suspension of your license and even jail time. 

Is it worth the risk for a bit of money every month? No! The Insurance Shop USA can help find you an affordable rate and the coverage you need to give you peace of mind on the road. 

Let’s be honest – people are coming to Idaho in droves in the last few years. The state is exploding in new residents, which means new drivers are on the roads and some may not know where they’re going. Tourism has also boomed (no surprise there, Idaho is beautiful!) so inexperienced drivers and people driving recreational vehicles are now on the roads too. 

You may be a very safe driver, but unfortunately, this doesn’t always matter. You can’t control who you come into contact with on the road. Cell phones have become a serious issue with drivers always so distracted, looking at their phones. Because you can’t control other drivers, it’s important to protect yourself from what could happen. It may be the wisest financial investment you ever make, and it could save your life. 

If we’ve sold you on auto insurance and you’re in the Sandpoint, ID area, don’t hesitate to reach out to The Insurance Shop USA. We’ll work with you to build an auto insurance plan you’re happy with. 

People that live in the Sandpoint, ID area will always want to have a vehicle to ensure they can get around their community. If you are going to own a vehicle in Idaho, insuring it the right way is very important. If you are going to get an auto insurance plan, you can receive a few forms of protection that will make the insurance a good investment. 

Liability Coverage

An important part of your auto insurance plan in Idaho is liability coverage. When you are going to drive any type of vehicle in this state, there will always be a chance that you can cause an accident that results in damages. As you will be responsible for these damages, insuring against the risk is important. With an auto insurance plan, you will have the support needed to offset this concern. Having this coverage is also needed to remain in compliance with state law.

Protection for Assets

You should also get an auto insurance plan to have protection for your assets. If you buy a vehicle of any kind, you will want to ensure it is protected against the risks of theft or accident damage. A proper insurance plan that contains both collision and comprehensive protection will give you the support needed to ensure you can replace your vehicle if you do incur a covered loss. 

Those that are going to get insurance in the Sandpoint, ID area will always want to ensure they have the right insurance in place. To ensure you are making a good insurance choice, calling The Insurance Shop USA is a good idea. The team with The Insurance Shop USA can give you any support you need to build an insurance plan that gives you the ideal coverage and protection. 

You are required to show proof of at least liability insurance if you operate a car or truck in the city. Residents of Sandpoint, ID must provide evidence of a policy that pays at least $25,000 per person ($50,000 per incident) for bodily injury and a minimum of $15,000 for property damage. You also need to show proof of $25,000 per person ($50,000 per incident) for uninsured motorist protection. The agents at The Insurance Shop USA can help you understand auto insurance in Idaho and whether or not you can drive an uninsured vehicle on the highway. 

Is Idaho a no-fault state?

Idaho is not a no-fault state. Drivers who cause an accident can be sued by the victims of their neglect. Some auto owners purchase the minimum amount in car insurance and discover that they must pay out-of-pocket when damages exceed policy limits. 

It is best to purchase an auto insurance plan that supports your lifestyle preferences in Sandpoint, ID. A policy does not need to be the most expensive to serve as an effective financial cushion. Your insurance plan should, however, be enough to pay for damage to another person’s property and replace your vehicle, if necessary. 

Can you drive on the highway in Idaho without auto insurance?

Contrary to some rumors, you cannot operate a vehicle on the highways in Idaho without auto insurance. Drivers must show proof of indemnity coverage when prompted by law enforcement regardless of whether they operate their vehicles in the city or in rural areas. 

How much auto insurance do you need? 

The amount of auto insurance you need depends on the type of vehicle you have, how often you drive, the distance from work and home, and your overall lifestyle preferences. The agents at The Insurance Shop USA can help you understand the difference between auto insurance types so you can find the plan that best suits your needs. Call today to get started on a quote for coverage.

In the Sandpoint, ID area, owning a car will make it much easier for you to get around town and complete all of your necessary daily tasks. When you are looking to purchase a vehicle here, you should make sure that you pick the right insurance plan. There continue to be several reasons why someone should invest in an auto insurance plan here. 

Insurance Will Keep You in Legal Compliance

A great reason that you should get an auto insurance plan is that it will help to keep you in legal compliance. If you decide to buy a car and you want to drive it in this state, you will need to carry liability insurance at all times. If you do not have this protection, you will be in violation of the law and could face some serious penalization. 

Insurance Protects Car

You will also want to invest in an auto insurance plan as it can protect your car. If you decide to buy a car, you will be making a big purchase that you should try to protect as well as possible. The best way that you can do this is by getting collision and comprehensive insurance coverage. If you do not maintain this protection, you could lose your asset entirely if it is damaged or stolen. 

If you would like to get an auto insurance plan when you are in the Sandpoint, ID area, it would be a good idea for you to call The Insurance Shop USA. The team of professionals at The Insurance Shop USA understands the complexity that comes with picking this type of insurance. They can help you choose a policy that will offer you the coverage that you need to stay in legal compliance and protect your vehicle. 

In the Sandpoint, ID area, you will need to have a car. When you own a car, it can make it a lot easier for you to get to and from work or school while also enjoying all of the amenities in this area of Idaho. If you are going to get a car here, you also need to make sure that you get the right auto insurance. A quality auto insurance policy could protect someone a variety of ways. 

Protects Asset

One way that your auto insurance policy can protect you is by protecting your asset. A car is one of the largest assets that someone will buy. If you are ever in an accident or the car is stolen, you will want to know that your asset is protected. If you get a collision and comprehensive insurance policy as part of your auto insurance plan, you will know that your car is covered if you do incur a loss of any kind.

Gives Liability Protection

Anyone that drives a car will always run the risk that they could cause an accident. If you do cause an accident, you will have to pay for any damages that are caused. Fortunately, you can protect yourself if you get an auto insurance policy as it will include liability coverage. Having this coverage is also required in order to drive your car on a public road in Idaho. 

Anyone that is shopping for auto insurance in the Sandpoint, ID area will need to make sure that they get a proper insurance policy. When you are going to look for insurance, you should call the team at The Insurance Shop USA. The insurance team at The Insurance Shop USA can give you the support you need to choose the right policy that meets your needs. 

Everybody loves the thought of heading out on vacation. You find a destination you want to visit and make your reservations. If you fly to get there, you will likely need a rental car. As you approach the rental counter the associates will have lots of paperwork for you and they will ask you if you want to take their insurance. If you booked online and prefilled the paperwork you were asked the question then, "Do you want insurance". The offered insurance is not just one level, it is several different levels. It can significantly increase the cost of your rental car. 

If your agent is The Insurance Shop USA in Sandpoint, ID the first thing you should do when you’re going to rent a car is call them and ask if your coverage will protect the rental car. They will give you the answers you need. If you have an older car and don’t carry collision and comprehensive auto insurance you have to get that coverage another way.  One option is your credit card. Some credit cards offer rental car insurance as one of their perks. 

If you have a newer car and have collision and comprehensive coverage you probably have enough coverage to protect your rental car. It is always a good idea to check your policy limits to make sure that your insurance has enough coverage for a new car and that the liability limit is what they should be. If you have any questions and just don’t want to get your insurance involved, pay the extra and get the rental car insurance. It cost more but it offers peace of mind. 

When you have questions about your auto coverage or if you are looking to find a new carrier, The Insurance Shop USA in Sandpoint, ID is here to help. Call our office or drop by and let us give you a no-obligation quote. 

Auto insurance is an essential product for vehicle owners across the country. As a motorist in Sandpoint, ID, you need to make sure that you’re meeting all the auto insurance requirements put in place by the Idaho government. At The Insurance Shop USA, we’re here to help.

The following are three auto insurance necessities you need to consider when you’re on the market for the best policy for your needs. 

Meeting state-mandated liability requirements

Your number one priority when purchasing auto insurance is meeting any legal requirements in place in your state. Make sure that you’re aware of how much liability coverage you need to carry. If you fail to carry adequate insurance, you could be subject to numerous penalties including fines and license suspensions. 

Protecting the investment you make in your vehicle

If you don’t have collision coverage as part of your auto insurance policy, you could lose the investment you’ve made in your vehicle purchase if your vehicle is destroyed in an accident. It’s therefore important to invest in a collision or comprehensive coverage so that your insurance will compensate you for accident damages to your own vehicle. 

Understanding the terms of your policy

You should take the time to read the fine print of your policy. You want to understand your policy thoroughly. Be aware of exactly what coverage and features you get from your insurance policy. Also, make sure you understand the process of filing a claim when you take out your auto insurance policy. 

Have questions about auto insurance in Sandpoint, ID? Feel free to discuss your questions with one of our representatives at The Insurance Shop USA. 

For many people that live in the Sandpoint, ID area, having a car is a necessity to get around town and to and from work. For those that have a car in this area, it is important to carefully consider all of your insurance needs. There are many reasons why you may need to have an auto insurance policy in this area.

Meet State Requirements

One of the reasons why you need to have an auto insurance policy in Sandpoint is so you can meet the state requirements. All drivers take on risk that they could cause an accident when they are behind the wheel. If they are at fault in an accident, the may owe a lot of money to cover damages. Due to this risk, the state wants to make sure that you have auto insurance to cover your liability damages. 

Need to Replace Vehicle

If your vehicle is damaged or stolen, your base auto insurance policy may not cover you. To ensure that you are fully covered for all situations that could result in an loss, you should get a full policy that also has collision and comprehensive auto insurance coverage. This will ensure that you are covered for almost any situation that could cause a loss. 

If you own a car in the Sandpoint, ID area, you always need to make sure that you have auto insurance. To ensure that you are getting into a good policy that gives you the right type and level of coverage, you should call The Insurance Shop USA. When you work with The Insurance Shop USA to get into any auto insurance policy, you can be assured that you are working with someone that understands your situation and gets you into the right policy.