Idaho Auto Insurance

According to the state laws governing automobile usage and maintenance in the state of Idaho it is compulsory for all vehicle owners to be covered with auto liability insurance covers. The minimum amount set for the cover for causing physical injury to any one person in an accident is $25,000. If physical injuries are caused to more than one person in the accident, the minimum liability is set at $50,000. If you are responsible for the accident and you cause damage to the property of the other party involved in the accident, the base amount for the liability cover for the same is set at $15,000.

The important thing to bear in mind is that these amounts are the minimum covers that have been made legally compulsory by the Idaho government. In an accident, the actual expenses incurred, damages, medical bills, charges for repair of the vehicles and the suchlike might actually far exceed these decreed amounts. Also, the aforementioned three covers are the only compulsory ones but they might not be enough to provide for the different kinds of damages you might be expected to pay for.

Hence, for the mandatory covers, it is advisable to take out policies for larger amounts if it is financially feasible for you to do so. That way, in the event of an accident, you will be saved from bearing an excessive financial burden.

Also, there are a number of optional Idaho auto insurance covers available. It is advisable to opt for these additional covers if you can afford them as they can help you to prepare for a wider variety and intensity of situations.

In Idaho, the insurance firms and agents are expected under the state law to inform their potential clients about the insurance schemes regarding underinsured as well as uninsured motorists. Even though this kind of policy cover is only an option, the State has made it mandatory for the insurance agents to introduce the topic with the clients. It is up to the client whether he or she wishes to take the insurance policy. If you choose to turn down this option the government requires your declination formally in writing.

There are two other additional covers that are popular in the state of Idaho. One of these is the Collision Cover. The other of the covers is known as the Comprehensive Coverage.

What if I still have questions about Idaho auto insurance?

You may direct any questions to the Consumer Hotline at the Idaho Department of Insurance at (800) 721-3272.

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