INFORMATION ABOUT IDAHO AUTO INSURANCE

Idaho Auto Insurance

The Idaho DMV and Idaho Department of Insurance describe the following coverage types.

Liability Insurance

Car insurance for individuals must meet certain coverage requirements. Minimum liability coverage is $25,000 for a single injury/fatality, $50,000 for multiple injury/fatality and $15,000 for property damage.

Medical Payments

This coverage is defined as the amount the insurance company agrees to reimburse passengers for medical or burial expenses incurred as the result of bodily injury or accidental death, regardless of the insured’s legal responsibility. It will also cover family injury caused while walking or while riding in another auto.

Uninsured/Underinsured Motorist

According to Idaho Insurance Code §41-2502, liability insurance must provide coverage for uninsured motorists with the limits required by Idaho Code §49-117. The insured has the right to reject this coverage in a written statement. This coverage protects those who have sustained bodily injury caused by an uninsured motorist.

Idaho has no requirement for property damage coverage, only for bodily injuries. It is wise to ask the insurance carrier about uninsured motorist coverage for property damage. The premium for this coverage is usually quite low.

Comprehensive

This coverage pays for vehicle damage caused by almost anything other than collision such as fire, falling objects, vandalism and theft.

Collision

When a vehicle hits either another vehicle or object, collision coverage pays for damages.

Miscellaneous Coverage

• Rental Reimbursement– When a driver’s vehicle cannot be used due to collision or comprehensive loss, this coverage will pay for the expense of a rental. The agent can provide information about the daily allowed coverage amount is and the maximum days covered.
• Towing– This coverage can provide reimbursement for tow charges and may range from $50 to $250 per tow.
• Custom Equipment– It’s possible to insure vehicle enhancements not included as standard equipment.