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Idaho law requires you to hold at least the minimum amounts of required car insurance coverage. However, you may also purchase a number of optional insurance coverages to help protect you further.
Car Insurance Requirements
In order to meet the Idaho car insurance requirements, you’ll need to have at least the following types of liability insurance:
- $25,000 for bodily injury, per person
- $50,000 for total bodily injury, per accident
- $15,000 for property damage.
Uninsured & Underinsured Motorist Coverage
Your Idaho car insurance policy must also include uninsured/underinsured motorist liability coverage. The minimum limits for uninsured motorist coverage is the same as those of liability coverage as shown above. This policy pays for injuries that result from an accident with a driver with inadequate insurance cover, or a driver without insurance. NOTE: You can opt not to purchase uninsured motorist coverage; however, this must be done in writing.
You may also purchase the following types of optional insurance coverage to help protect you further:
- Medical payments
- Rental reimbursement
- Towing and labor
- Emergency roadside service
- Customized parts and equipment.
Multiple individuals may be found at fault in the event of an accident but at varying degrees of fault. You will only be awarded damages if you are found less at fault compared to the other party. It is important to note that your compensation may be reduced depending on your degree of fault. If you were found to be 20% at fault in an accident, your settlement can be reduced by 20%.
Idaho Automobile Insurance Plan
Drivers with poor driving records may have a difficult time finding a car insurance company to insure their vehicles. If you find it hard to get a car insurance company through open market, you can apply for car insurance policy through the Idaho Automobile Insurance Plan. This association helps high-risk drivers to get car insurance. But remember that car insurance through Idaho Automobile Insurance Plan comes with higher premiums because of higher risks involved.
When you register your car, you must sign a certification showing that you will hold and maintain the minimum amount of liability insurance. If you break this agreement, you face the following penalties and fines:
- Up to 6 months of jail time
- A fine of $75 for first offence
- A fine of up to $1,000 for second and subsequent offenses
- Mandatory filling of SR-22.
Drivers whose driver’s license has been suspended because of failing to provide proof of insurance must file SR-22 certificate. This certificate provides proof of future financial responsibility. SR-22 certificate is also required if you have been found:
- Driving with a suspended license
- Leaving the scene of an accident
- Reckless driving
- Manslaughter in a vehicle.
SR-22 must be submitted through your car insurance carrier to the Idaho Transportation Department.
Questions and Concerns
The Idaho Department of Insurance (IDOI) Consumer Services Department is the body that offers consumer support related to Idaho car insurance. Through this body, you can resolve your insurance dispute or report suspected insurance fraud. For more information on DOI services, contact them through phone at (800) 721-3272 or (208) 334-4319. You may also contact them through email at [email protected]
Filing a Complaint
If you have a complaint that you intend to submit, read various DOI’s guidelines on how to submit complaints. You can then submit it online, fax or mail using the address listed on Consumer Complaint Report form.
Car insurance providers lose significant sums of money through car insurance frauds. These losses trickle down to affect car insurance premiums. You can help fight car insurance frauds by reporting any suspected car insurance fraud to the Idaho DOI. You can do so through the following means:
- E-mail at [email protected]
- Fax to (208) 334-4398
- Phone at (866) 939-7226.
Determining Your ID Car Insurance Rates
Idaho car insurance companies use many factors when calculating your car insurance rates. These factors include, but are not limited to:
- Your driving record
- The make and model of your car
- Your car insurance claim history
- Your age, gender and marital status
- Your deductibles
- Your credit history
- Where you live
- How often you use your car and for which purposes
- Driver training courses
- History of claims
- Applicable discounts (see below).
One great way to save on car insurance is by looking a car insurance company that offers discounts. Ask your prospective car insurance company whether they have discounts for:
- Good student
- Business or professional group
- Alternative fuel
- Anti-theft device
- Paying premiums in full
- Switching providers.
These discounts can save you a lot of money, but the best way to obtain a cheap insurance for your car is by maintaining a clean driving record.
Most Cars Stolen in Idaho
Cars with high-risk of theft are bound to attract higher rates for car insurance. The following are the most stolen cars in the state of Idaho in 2013 as provided in www.nicb.org:
- Chevrolet Pickup (Full Size)
- Ford Pickup (Full Size)
- Honda Civic and Honda Accord
- Dodge Pickup (Full Size)
- Chevrolet Pickup (Small Size)
- Ford Taurus
- Ford Explorer
- Toyota Camry
- Pontiac Grand Am.