While laws are in place in order to protect the members of society, unfortunately, not everyone chooses to abide by these requirements. We see this happen in various ways, including motorists who do not abide by Idaho’s car insurance laws. Why are there laws that require minimum amounts of auto insurance? To protect innocent motorists who are injured in a crash and to help look to the at-fault driver for compensation. For example, if a driver is struck by a speeding vehicle while travelling on Eagle Road in Boise, the driver must seek payment for his damages and losses from that at-fault driver or his insurance company. If the at-fault driver does not have the minimum required amount of auto insurance, the innocent driver could be left without receiving adequate funds to help him pay for his injuries, medical bills, and property damage.
What are the requirements for auto insurance in Idaho? In this state, all owners of motor vehicles registered in the state must retain liability insurance on the car. This insurance protects people who are injured in the event of an accident. The at-fault driver will not have to come up with the funds for medical bills and car repairs out of pocket, and the innocent driver is fairly compensated. The minimum insurance amounts are as follows:
- $25,000 for the injury or death of one person. This could be yourself, your passenger, another driver, or a pedestrian.
- $50,000 for the injury or death of more than one person in a single accident.
- $15,000 for property damage.
What happens if a motorist disregards these requirements in violation of the law? In these cases, the innocent driver may be in trouble if the at-fault driver does not have sufficient assets to pay for the losses out of his own pocket. Fortunately, Idaho has yet another insurance requirement designed to protect innocent motorists in these situations. Every car insurance policy sold must include uninsured/underinsured motorist coverage, unless the customer waives the coverage in writing. By having this supplemental coverage, you are protected if the at-fault driver or his insurance company does not provide compensation for all of your losses.
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