Idaho Car Insurance Minimum Coverage

Drivers in Idaho are required by law to have at least certain level of liability insurance in place to pay for injuries they cause in a motor vehicle accident. The state has set the minimum level of coverage required as $25,000 for one person’s injuries and $50,000 for the injuries sustained by multiple victims in an accident.

Along with bodily injury liability insurance, drivers in Idaho are required to buy property damage insurance coverage. The minimum level for this type of coverage is $15,000 and it pays for the cost of repairing the other driver’s vehicle after an accident, as well as any other property damaged in the accident, including sign posts, fences and sheds.

Car insurance buyers can choose to get a higher level of protection if they wish. This is worth considering, since buying only the minimum level required by law may not be enough to pay for damages if the accident is one that leaves the victim with permanent injuries after the accident.

When an accident occurs, the at-fault driver, through his or her insurance company, is responsible for paying for the damages caused. The insurance company will pay out up to the policy limit. Once this level has been reached, the at-fault driver is responsible for any additional amount owing personally. Having adequate insurance in place makes this scenario less likely.