Under Idaho state law, insurance companies are required to offer all customers who purchase a policy uninsured motorist coverage. The customer is free to refuse this coverage, but the refusal must be communicated in writing.
What is uninsured motorist coverage? It protects a vehicle owner if the at-fault driver in an accident does not have insurance or the accident is a hit and run, where the driver’s identity cannot be determined. Instead of the injured person having to sue to recover the cost of their medical bills and other expenses or paying them personally (in the case of a hit and run accident), the uninsured motorist portion of the insurance policy will pay for these expenses, up to the policy limit.
Underinsured motorist coverage works in a different way. This protection is designed to make up the difference if the at-fault driver has Idaho auto insurance coverage but does not have enough to fully pay for the damages he or she caused.
In this situation, the at-fault driver’s coverage will be used first. Once the policy limit has been reached, the uninsured motorist coverage kicks in.
Uninsured or underinsured motorist coverage can be added to a car insurance policy very easily. The increased premium is well worth the price that a consumer will have to pay for it.