Idaho Residents – What Do You Need For Car Insurance Coverage?
Most of the states in America have legal requirements for drivers regarding auto insurance. Idaho is no exception. The minimum liability insurance, which varies from state to state, is mandated by Idaho legislation. Idaho is one of the handful of states that also requires motorist to carry additional uninsured motorist protection. Proof of Idaho auto insurance is required to register or a car or to present to law enforcement officers upon request. Many car dealerships will require proof of insurance before allowing individuals to complete a sale.
Not carrying car insurance is considered irresponsible. Uninsured motorists are not only putting their own safety and property at risk by not purchasing auto insurance, they are putting everyone else on the roads at risk as well. Someone hit by an uninsured motorist may find themselves having to pay out of pocket for their medical and property damage expenses. Before mandated car insurance, the local justice system was even more crammed with lawsuits.
These lawsuits were initiated in hopes of recouping the costs of a car collision. However, in most cases, if a driver was not carrying car insurance they probably couldn’t afford to pay for the damages they were responsible for anyway. Therefore, mandated car insurance not only protects Idaho residents but it also frees up busy courtroom time, saving taxpayers money as well.
The Idaho Department of Insurance regulates what drivers need to carry in car insurance. Currently, the minimum amount of insurance that must be purchased by Idaho motorists is $25,000 for 1 person, $50,000 for all people, and $15,000 in property damage per accident. For uninsured or underinsured motorist coverage, Idaho drivers can opt out by sending a written request to their insurance company. This is the lowest amount of liability insurance acceptable by the state. The State of Idaho, and the local car insurance companies, will often recommend that motorists purchase more then the bare minimum requirements if they truly want to be covered in the event of an accident.
Some drivers may find that they are denied insurance due to a poor credit score or previous driving record. The Idaho Department of Insurance suggests that individuals call multiple insurance companies before giving up, as one may be more willing to take a risk than another. If that does not work, drivers may contact the Western Association of Automobile Insurance Plans and ask about the Idaho Automobile Insurance Plan. This plan is often a last resort because of the high premiums, but can be an option for those desperate to purchase car insurance.