The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium and in exchange, the insurance company promises to pay for specific financial losses during the term of the policy. Haddock & Associates can help you determine the best coverage for your needs. With Insurance Agency locations in Coeur d'Alene, Post Falls, Sandpoint and Spokane, Washington, our Insurance Agents are available to meet and discuss your auto Insurunce options.

How much auto insurance is right for you?

Our team of insurance professionals understands the Idaho car insurance needs of our customers.

Auto insurance requirements vary by state. In some states, to drive you must carry:

• Liability coverage to pay for losses you cause others
• No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from an accident, regardless of who is at fault
• Both liability and no-fault coverage.

We write insurance in Washington, Montana, Oregon, California, Arizona, Nevada, and Colorado and would be happy to help you ensure you have the right car insurance coverage.

Even in states where coverage isn’t required, by law drivers must be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

• Collision Insurance

  Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It is the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

• Comprehensive Insurance (Other than Collision)

  Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, vehicle glass damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) Although it’s not legally required by any state, you will probably need it if your car is financed.

Every person is unique – talk to us today to find out how to get the best price and value on Idaho car insurance for you.

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