Whether you are an Idaho resident or a driver who is visiting, you might wonder how exactly car insurance works in Idaho. As a driver, it is essential that you make sure you meet the state’s insurance requirements to keep you safe and within the guidelines of the law. Furthermore, understanding Idaho car insurance can be particularly helpful if you are ever in a car accident.


How Idaho Car Insurance Requirements Work

Car insurance in Idaho covers any damages or losses that occur to drivers and passengers. In the state of Idaho, every driver must purchase liability coverage. This ensures that you are able to pay for any damage caused to another vehicle or injuries caused to another person if there is an accident.

Minimum Insurance Requirements

What are the minimum liability requirements? To meet Idaho state requirements, you must have the following:

  • $15,000 property damage coverage
  • $25,000 bodily injury coverage per person
  • $50,000 total bodily injury coverage per accident

Uninsured Motorist Insurance

You must also be offered uninsured motorist coverage through your Idaho car insurance company. However, you are not required to purchase it, and you may officially decline it in writing. These are the minimums that must be offered by your Idaho car insurance company:

  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident

While these are the minimum amounts required by the state of Idaho, it’s recommended that you protect yourself even more. For instance, it is a good idea to take the uninsured motorist coverage so that you’re not stuck with damages if someone without coverage hits your car and causes serious damage. Unfortunately, there are many drivers out there who aren’t insured.


Other Types of Idaho Car Insurance Coverage to Consider

You may also want to consider purchasing collision coverage as you’re shopping for Idaho car insurance, which protects you if your car is struck by an object. This type of Idaho car insurance protects you even if you are at fault.

Another coverage option to consider is comprehensive coverage, which can protect you in the event of a fire or theft. It’s better to fully protect yourself to avoid ending up in a difficult financial situation after an accident.


Contact Experienced Car Accident Attorneys

Although Idaho car insurance can be a complex topic, if you have a general idea of how it works, you might be better off after an accident. However, details vary, so it’s best to consult an attorney after an accident.

If you have been injured in an accident that was someone else’s fault, you could be entitled to compensation through your Idaho car insurance coverage. Although it might seem like you can rely on your Idaho car insurance or the other driver’s insurance company to cover your losses, this is not usually the case. Instead, you will need the assistance of a qualified legal team to ensure that you get the compensation you deserve.

The attorneys of Craig Swapp & Associates have the experience and knowledge you need. We can navigate the process on your behalf. Call us toll-free at 1-800-404-9000 or enter your information below to get started right away.