Idaho Vehicle Policy
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How to fill out Vehicle Policy?
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FAQ
Anyone who operates a vehicle in Idaho must have liability insurance, whether the vehicle is registered or not. If you're caught driving without car insurance in Idaho, you may receive a fine from $75 to $1,000. First-time offenders may also have to provide proof of financial responsibility up to an entire year.
No, Idaho is not a PIP (personal injury protection) state. PIP is a type of insurance no-fault states require their drivers to purchase. Since Idaho is a fault-based state, it does not require PIP insurance.
Idaho law requires that you maintain a minimum of $25,000 per person and $50,000 per accident Bodily Injury Coverage on your auto insurance policy.
Idaho is not a no-fault state. In the 12 states that are considered no-fault, you make your claim to your own insurer, regardless of who was at fault in the accident. Because that is not the case in Idaho, you would file a claim with the other driver's insurer if they were at fault.
According to the Idaho Code for Motor Vehicles Financial Responsibility, all drivers are required to buy a basic car insurance policy. Driving without coverage is considered an infraction or a misdemeanor so if you violate the code, you could be on the hook for fines, license suspension and even jail time.
Your Idaho car insurance must include at least the following coverages: Bodily injury liability coverage: $25,000 per person and $50,000 per accident. Property damage liability coverage: $15,000 per accident. Uninsured motorist coverage: $25,000 per person and $50,000 per accident
Accident Reporting Laws in Idaho According to Idaho traffic law, you must notify the police if you are involved in a car accident where someone was injured or killed, or the property damage was worth over $1,500. Failure to report a car accident can result in costly fines and even driver's license suspension.
Insurance DisclosureThe average cost of car insurance in Idaho is $307 per year for the state-required minimum coverage limits, and $1,045 per year for full coverage car insurance. Both rates are significantly lower than the average cost of car insurance nationwide.
Car insurance usually follows the car in Idaho. The types of car insurance that follow the car in Idaho are bodily injury liability, personal injury liability, collision, and comprehensive. You're required to carry bodily injury liability and property damage liability in Idaho.
