ID Car Insurance and your Personal Responsibilities

ID car insurance is a legal requirement and road users who persistently offend by using their vehicle without having adequate coverage in place can eventually pay the ultimate penalty and lose their driving privileges for good. Drivers must be insured for a minimum of $25,000 worth of bodily injury liability per person in any single accident. They must also carry at least $50,000 of bodily injury liability to cover any injuries sustained to third parties on a ‘per accident’ basis.  Motorists must also carry at least $15,000 of property damage liability.

There are several other types of ID auto insurance available but these must be purchased as separate items and any policy additions will naturally drive up your ID auto insurance rates.  The most commonly found additions to a basic ID auto insurance policy are as follows:

  • An increase in the minimum levels of liability coverage
  • Collision coverage that pays for repair costs to your own vehicle in an at-fault accident
  • GAP insurance
  • Comprehensive coverage for incidents of fire, theft or flooding
  • Uninsured and underinsured motorist protection
  • Personal injury protection

Additional coverage is always advised as long as the motorist can afford to increase their levels of ID auto insurance. In addition to purchasing a valid ID auto insurance policy, road users in Idaho must sign a statement to certify that their car is insured to the current Idaho Code. If motorists fail to register a vehicle with the local Department of Motor Vehicles, they are liable to face a financial penalty.