Idaho, like many other states, require each and every driver to carry liability car insurance with certain limits. Each state has varying limits, and it is important to know the restrictions in your particular state, as well as any unique laws to the state, before driving there.
Drivers are required to carry, at the minimum, liability insurance which insures against bodily injury, property damage, and personal injury. Bodily injury protection and personal injury protection limits are required to be set at $25,000 or more per person or $50,000 or more for all people involved in one accident. Property damage insurance must allow for $15,000 or more per occurrence.
The state of Idaho adheres to a Tort-style system. This means that someone must be found at fault for causing the accident in order for that person and their insurance company to be held liable for damages. These laws vary state by state. You can protect yourself from no-fault decisions by buying additional coverage including comprehensive, collision, or uninsured/underinsured motorist coverage. Comprehensive and collision are generally sold as a package and protect your vehicle against damage as a result of colliding with an object or from fire, ewather, vandalism or theft. Underinsured/uninsured motorist coverage ensures that you can repair your vehicle even if the liable party is not carrying insurance.
Almost all nationwide insurance companies can provide you with cheap car insurance in Idaho. Insurance companies also offer discounts. You can make sure you are getting the lowest rate by comparing competitors online, maintaining an excellent driving record, selecting the lowest legal liability limits, participating in a defensive driving course, and even by getting good grades in school.
Your Idaho driving privilege can be suspended if you are caught driving without adequate insurance. If you have too many fines, or are found driving while under the influence of alcohol or narcotics it can also be suspended. Refusing to take a blood-alcohol test, leaving the scene of an accident and failing to file an accident report have the same consequences. If your driving privilege is suspended in Idaho, other states may not allow you to obtain a drivers license, or may suspend your driving privilege in that state also. Wearing a seat belt is also mandatory.
