If you're not monitoring the distant end's reachability, you can just use a floating static route.
I'm assuming you have a static route going out your fa0/0 when it is up, and it has the default AD of 1.
ip route 0.0.0.0 0.0.0.0 10.125.95.3 2
Both your solution and this solution only protect you if your interface actually goes down, it doesn't verify that the next hop going out of fa0/0 has NLRI. If you want to have that capability, you will need to setup IP SLA and track the SLA.
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