Idaho Car Insurance Laws

State of Idaho in blue surrounded by stars
It’s important for Idaho motorists to remain properly insured in order to meet the Gem State’s financial responsibility requirements, and to also remain adequately protected in the event of an accident. These financial responsibility laws exist in order to ensure that residents are able to pay for any injured persons or property damage resulting the driver’s negligence. The minimum amount of required liability consists of $25,000 for bodily injury or death of a single person, $50,000 for bodily injury or death in a single accident, and $15,000 for property damage.

Policy providers in the Gem State are also required to offer Uninsured Motorist coverage to all policyholders. This form of vehicle protection is in place in order cover injuries or damages caused by a driver that has not purchased the appropriate amount of liability, or has an insufficient amount of coverage. Because this form of vehicle protection is not necessarily required, residents may choose to formally reject it either in writing or through an electronic form that complies with Idaho’s Uniform Electronic Transactions Act. But even if a motorist chooses to drop this optional coverage, it’s still important to meet state requirements and avoid driving without the proper protection.

Failure to comply with these automobile insurance requirements could have significant consequences. According to state statute, ID judges and the Idaho Transportation Department are allowed to suspend or revoke an individual’s license if they are caught operating an automobile without first meeting state financial responsibility requirements. In order for an individual to reinstate a license they must typically provide proof of financial responsibility and pay a reinstatement fee of $25.00 to $285.00 depending on the nature and severity of the suspension. Avoiding these consequences can be simple, and residents are encouraged to pursue a vehicle protection plan that contains a sufficient amount of coverage instead of taking the risk of driving while uninsured.

Idaho state flagThe amount of automobile protection that is required by the state may seem substantial to some, but it still may not provide a sufficient amount of protection for every motorist. Residents in need of Idaho auto insurance are encouraged to consider improving upon these minimum requirements by purchasing additional amounts of coverage. Oftentimes, drivers can buy increased liability limits for only a few extra premium dollars. Additionally, because of estimates made by the Insurance Research Council in which 8% of ID motorists were uninsured in 2009, motorists may wish to consider retaining uninsured motorist protection instead of formally rejecting it.