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Idaho Drivers and Car Insurance

Idaho drivers and car insurance are connected by auto insurance laws in the state. In the U.S., car insurance legislation is largely a states' rights issue. Each state's legislature sets the standards for car insurance in that state. For those of us in ID, we refer to the laws on the books where we live for guidance on minimum acceptable levels and types of coverage, as well as for information on optional protection we could elect to add to our policies. For anyone in the state who wishes to own or operate a vehicle, it is important to know what is required and to become familiar with other optional areas of protection that you could add to round out your insurance plan.

Liability Insurance Required in ID

Every Idaho motorist must carry personal liability auto insurance in keeping with state insurance code in order to help avoid auto insurance title disputes. Proof of financial responsibility is the burden of every driver. Financial responsibility as it pertains to auto insurance simply means demonstration of the ability to take care of monetary obligations that come up as a result of at fault accidents. In other words, every driver is legally obligated to carry liability auto insurance in order to be prepared for bodily injury and/or property damage payouts to others if they ever get into car accidents for which they are found negligent.

The state sets minimum acceptable financial limits of coverage for drivers to carry in their auto liability policies. Here in ID, we utilize a split limit policy type. This means there are three parts to your liability policy, each carrying its own limit of coverage and also its own deductible. As a negligent driver in an injury accident you're likely to have to pay out multiple deductibles on your plan, one for bodily injury costs and another for personal property losses to the other driver or others involved in an accident.

Bodily injury liability is separated into two categories, one for a single injured party and another for accidents in which two or more people are injured. The minimum limit as set by the state for single victim bodily injury is $25,000, and the limit per accident for cases in which multiple people are hurt or killed is $50,000. Property damage liability minimums are set by the state at $15,000 [1].

Optional Idaho Car Insurance Coverage

Liability insurance is the only area of auto coverage mandated by state law. But there are plenty of other ways you could beef up your policy by adding in some optional elements to it as well. Medical payments coverage is one popular choice because of the value it adds to the policy and the way it protects you from personally taking on these expenses. This coverage is the monetary amount your insurance company agrees to pay for you or for passengers in your car to reimburse medical or funeral expenses stemming from a car accident in your insured vehicle. It also covers insured drivers and their families if they are hit by a car while walking or while riding in another car [1].

Uninsured and underinsured motorist protection are also available. According to Idaho state car insurance code, no policy can be offered to motorists without uninsured motorist coverage included. Drivers have the right to opt out of such coverage, but must do so in writing. Auto home insurance providers can work with you if you wish to opt out and can give you the details on how to do it. This coverage is only for bodily injury and not for property damage. Some companies do sell policies that include property damage coverage as well, but there is no mandate from the state to include this coverage in a policy offered to drivers. Usually this extra protection does not add very much to the overall price of a policy, but it can sure come in handy if you have an accident with an uninsured driver.

Comprehensive and Collision Insurance

Comprehensive and collision insurance are also available. Comprehensive provides protection from losses stemming from most non collision causes. It includes coverage for fire, theft, vandalism, wind, and falling objects. There are important exclusions and limitations on things like personal property inside the vehicle and aftermarket parts that should be addressed if you need coverage in these areas. Collision pays for property losses from an accident, regardless of personal fault in the crash. On collision and comprehensive claims, drivers are responsible for any deductibles that must be paid, so they should think about that when setting up their policies and before making claims.

Rental reimbursement, towing, and other special endorsements are also available, and may be of some use to certain state drivers. Know what you need as Idaho drivers and car insurance coverage will benefit you.

[1] Retrieved 2010-07-29.


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