State Insurance Laws
To drive legally in Idaho, you must purchase auto insurance liability coverage. Additionally, Idaho requires that all car insurance policies include uninsured and underinsured motorist coverage. The goal of both of these laws is to ensure that Idaho drivers will have the means to pay for any injuries, deaths, or damage they cause in an accident. Read on to learn more about Idaho’s mandatory car insurance laws and how they affect you.
When you purchase or renew a policy, you will receive a proof of insurance card that you should keep in your vehicle at all times. If you get pulled over and do not have valid proof of insurance with you, you could be issued a traffic citation. This will result in a fine and possibly a negative mark on your driving record. The courts in Idaho may also charge you additional fees for driving without insurance.
Idaho insurance code prohibits any auto insurance policy from being issued in the state unless it includes uninsured and underinsured motorist coverage that meets the state’s minimum requirements. Such coverage will help pay for any injuries you sustain as a result of a collision with an uninsured or underinsured driver. You have the right to reject this coverage and eliminate it from your policy, but you must put your refusal in writing.
Web Site: http://itd.idaho.gov/dmv/
How To Contact Directly:
Idaho Dept. of Insurance
700 West State St.
P.O. Box 83720
Boise, ID 83720-0043
Consumer Affairs: 1-208-236-6411