Auto Insurance Requirements in Idaho
You are required to have automobile insurance coverage in every state
and Idaho is no different. If you are caught driving without insurance
in Idaho it will be another ticket and violation on your record. You
are required to at least have the minimum coverage or amount the Idaho
law requires. You must have a card that shows your proof of insurance
on the vehicle you are driving. The only vehicles that do not require
insurance are vehicles designed solely for off road use. These vehicles
are not allowed on public roads unless they are licensed and insured or
are on a trailer.
The minimum insurance acceptable on a vehicle driven in Idaho is
liabiltity coverage with 25,000 dollars per person for bodily injury
and 50,000 per accident for bodily injury. You also need coverage of
15,000 dollars per accident for property damage. New and renewed
coverages for insurance must have provisions for uninsured as well as
underinsured vehicle.
Penalties for not having adequate insurance can be steep. First time
offender must supply evidence of one year coverages of at least minimal
insurance. A second time offender could have a much higher penalty if
violations are within 5 years. This requires proof of financial
obligation on 3 year term of minimal liability coverage. If you want
more information on penalties and insurance requirement for Idaho you
can contact the Idaho Transportation Department.
Remember you should have at least enough insurance coverage to protect
you as well as anything you may harm. If there is a bigger claim then
your insurance limits you could be personally liable. So look into
policies big enough to protect your assets. You never know who or when
an accident will occur but you want to be covered just in case.
Due to seasonal driving conditions that can be quite extreme so
insurance is a wise idea in Idaho. With mountain driving as well as
snow and rain an accident can occur any time. There are also chances
for falling rocks and other obstacles that can get you in an accident.
The minimal requirements for insurance is a good start but look into
being fully protected.
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