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No, Idaho is not ano-fault state for auto insurance. Idaho is an "at-fault" or "tort" state, which means the person who is at fault for a car accident is responsible for paying for other people's injuries and property damage resulting from the accident.
Your insurance company will likely pay out the damages right away and then seek to recover the amount from the unlicensed driver.
If someone else is driving your car and another person causes the accident, the at-fault driver's insurance is usually responsible for covering costs. On the other hand, if the driver of your car is at fault, your car insurance will usually cover damages.
If you gave the driver permission to drive, then your car insurance will cover the accident. But if you can prove they weren't given permission to drive or if they're specifically excluded from your policy, then your insurance won't cover them and they'll be liable for the damage they caused.
Ing to Idaho Code §24-4917, if you give your friend express or implied permission to drive your vehicle, then you are responsible for any injuries or property damage that the person operating your vehicle caused. One person being responsible for the negligence of another is known as ?imputed negligence.?
Reporting a Car Accident in Idaho The driver must give notice of the accident to the local police department if the accident occurred within a city in Idaho. If the accident did not occur within a city, the driver must give notice to the office of the county sheriff or the nearest office of the Idaho State Police.
If the worst happens and you're in a motor vehicle accident, here's what you need to do. Take note of traffic violations. The best time to decide who is at fault is at the scene of the accident. ... Start collecting evidence. ... Talk to witnesses. ... Consider if the other driver was negligent. ... Get a compensation lawyer on board.
WalletHub, Financial Company Car insurance usually follows the car in Idaho.