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Auto Insurance Essentials (Idaho)

4 credits

Course #: 3195417

Property & Casualty Insurance

Direct and Indirect Losses
Casualty Insurance
Negligence
Damages
Terminology
Property Insurance

Auto Policy Parts

Declarations
Definitions
Coverages
Duties after Loss
General Provisions
Ineligible Vehicle Types

Liability

Insuring Agreement
Coverage Limits
Supplemental Coverages
Exclusions
Out of State Coverage
Other Insurance

Medical Payments

Insuring Agreement
Coverage Limits
Exclusions
Other Insurance

Personal Injury Protection

No Fault Insurance
Eligible Injured Persons
PIP Coverages

Uninsured Motorists (UM)

Insuring Agreement
Coverage Limits
Exclusions
Is it Required?

Underinsured Motorists (UIM)

Insuring Agreement
Coverage Limits
Exclusions
Is it Required?
Example

Physical Damage

Insuring Agreement
Coverage Limits and Deductibles
Exclusions
Is it Required?

Other Optional Coverages

Emergency Road Service
Rental Reimbursement
AD&D
Lease/Loan Gap
Custom Equipment

Proof of Financial Responsibility
Required Limits of Liability
Uninsured Motorist / Underinsured Motorist
Assigned Risk

Rating

Losses and Expenses
Individual Rating Factors
Tips for Consumers
Credit-Based Insurance Scoring

Profit

Profit Measures
Measures Defined
Profitability

Personal Risk Factors

Risky Driving
Drunk Driving
Drunk Driving Laws
Texting & Cell Phones
Texting & Cell Phones Laws
Your Opinion?
Seat Belts

Teens & Seniors

Teen Risks
Teen Statistics
Graduated Driver Licensing
Teens & Seat Belts
Older Drivers

Umbrella Policy

Purpose of an Umbrella Policy
Underlying Coverage
Self-Insured Retention (SIR)
Excess (Follow Form)
Umbrella Example

Miscellaneous Topics

Other Insurance Provisions
Rental Car Insurance
Auto Theft
Auto Insurance Fraud
Non-Owner Policy
SR-22
Subrogation

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