For most that hold an auto insurance policy, there are hundreds of questions that you want to ask. One that is often asked is does your auto policy cover the costs of the other driver. For those in the Ammon, ID area, the agents with Insure It All can look at your current policy and tell you specifically what it covers.
In all cases, drivers are required to hold what is referred to as a liability policy. This means that you have to have some sort of coverage to help cover the costs of the other driver. This liability sum or amount varies from state to state in regards to what you are required to carry. One state might require that you hold a certain amount of coverage on the other driver which means that your policy will pay toward the costs of the other drivers. Another state may require more or less liability coverage.
For those that hold a full coverage policy, your insurance is likely going to pay much more on the costs of the other driver. There is often a cap on how much your insurance will pay but it could be into the hundreds of thousands depending on how severe the accident is. Even liability policies are going to cover at least a portion of the costs of the other driver. This is why liability insurance is required as a minimum for drivers in every state in the United States.
You can always add more coverage for yourself and other drivers. You can even add extra coverage for the occupants and passengers of your vehicle. If you live in the Ammon, ID area, the agents with Insure It All can explain what your policy covers for all drivers involved.