Idaho Car Insurance (ID)

Idaho is a state of many climates and drivers there need to be prepared for all of them.  If you are visiting, you should understand what kind of protection your car insurance should provide you.  If you are living there, it is imperative that you know what state law requires.

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Idaho Car Insurance Requirements

The state of Idaho requires car insurance liability coverage for bodily injury and for property damage.  These requirements cover costs incurred by the other driver, the other car and the passengers in it, should you be at fault in an accident.  Liability insurance does not cover you, your passengers or your car. 

The minimum liability coverage for bodily injury in Idaho is $25,000 for an individual and $50,000 for any one incident – meaning everybody in the other car.  The minimum property damage liability requirement is $15,000.  This covers damage to the other vehicle.

Idaho’s car insurance requirements also mandate coverage for uninsured and underinsured motorists.  This policy component covers medical costs for you and your passengers should you be in an accident with a driver who is either uninsured or does not carry coverage adequate enough to cover your expenses.  It does not include coverage for your vehicle.  This coverage can be declined, however, provided that you do so in writing.  Should you choose to include this insurance, check to see if there is property damage coverage available as well.

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Additional Idaho Car Insurance Options

Another car insurance option well worth considering is collision coverage.  Idaho does not require drivers to purchase insurance covering the damage to their own car in an accident where they are at fault.  If the car was purchased with a loan, the lender will probably require this type of coverage.  In either case, it is a good investment to make, unless your car has little value on the commercial market.

Medical payments insurance is an option that pays for injury treatment for you and your passengers regardless of who is at fault in an accident.  While this coverage may overlap other policies, such as health insurance, it provides you with additional protection.  It will also cover your personal bodily injury costs if you are a pedestrian hit by a car or are injured riding in someone else’s car.

Idaho’s statutory requirements are a good start, but the liability coverage that is required does not provide the personal protection you may want to have. Take a thorough look at the best way to protect you, your car and your passengers, according to your unique financial situation. Also, be sure to ask about any insurance discounts that may be available.

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