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Accident Coverage & Insurance in Idaho

If you are injured in an accident in Idaho, having the proper insurance coverage can make a big difference in your ability to get compensated and have your injury costs paid for. Here are some key things to know about accident insurance coverage under Idaho law:

Auto Insurance Requirements

Idaho requires all drivers to carry minimum auto insurance coverage of:

  • $25,000 for injury/death to one person
  • $50,000 for injury/death to two or more people
  • $15,000 for property damage

This is often referred to as 25/50/15 coverage. These are just the minimum requirements, and it’s recommended to carry higher policy limits if you can afford it. The minimum may not be enough to cover serious injuries.

Personal Injury Protection (PIP)

Idaho does not require PIP coverage, which covers your own medical bills regardless of who was at-fault in an accident. However, many Idaho drivers opt to purchase PIP as it allows you to get compensated for injuries quicker rather than waiting for a liability determination.

Uninsured/Underinsured Motorist Coverage

This coverage protects you and your passengers if you are hit by a driver who has no insurance or insufficient policy limits. Idaho requires companies to offer uninsured/underinsured motorist coverage, but drivers can reject it in writing.

No-Fault Insurance

Idaho is not a no-fault insurance state. This means that after an accident, the at-fault driver’s insurance company should cover the other party’s damages according to who was liable. No-fault systems allow easier access to injury compensation no matter who was at fault.

Comparative Negligence

Idaho follows a comparative negligence system. This means that if you were more at fault in causing an accident than the defendant(s), you cannot recover any damages from others involved. 

Work Injuries

For job-related accident injuries in Idaho, the workers’ compensation insurance system would cover medical costs and a portion of lost wages, regardless of fault.

In summary, Idaho drivers should strongly consider purchasing policy limits higher than the minimum requirements, as well as uninsured/underinsured and PIP coverage. Understanding Idaho’s comparative  negligence laws is also crucial when seeking compensation for accident injuries.

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