To drive legally in Idaho, you must purchase auto insurance liability coverage. Additionally, the state requires that all auto policies include uninsured and underinsured motorist coverage. The goal of both of these laws is to ensure that local 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 coverage laws and how they affect you.
When you purchase or renew a plan, you will receive a proof of coverage card that you should keep in your vehicle at all times. If you get pulled over and do not have valid proof of a plan 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 this state may also charge you additional fees for driving without being covered.
Local law prohibits any vehicle policy from being issued in the state unless it includes this protection and meets the state's minimum requirements. Such protection will help pay for any injuries you sustain as a result of a collision with such a driver. You have the right to reject this add-on 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