Idaho drivers can acquire two primary forms of liability auto insurance, these being property damage liability and bodily injury liability. With the protection of these forms of coverage, the driver is protected from claims for lost wages, medical expenses, pain and suffering, and more.
As with every state, Idaho has certain minimums that are required in auto insurance. In this case, the liability minimum is 25/50/15. This means that the driver must carry $25,000 in injury liability per person injured in the accident as well as $50,000 in coverage for all injuries that may occur. Idaho drivers also must carry $15,000 in property damage that may develop as the result of an accident that the driver caused.
Bodily Injury Liability, which is often referred to as simply BI for short, is in place to protect the driver when he or she is at fault in an accident. With this coverage, the costs associated with the injury or death of someone else involved with the accident is covered. This coverage may include the driver of other vehicles involved with the accident, any passengers in any of the vehicles involved, and any pedestrians. Idaho requires $25,000 in coverage per person and $50,000 per accident of this coverage.
The other form of liability insurance required in Idaho is Property Damage, or PD insurance. This insurance covers the expenses associated with property being damaged in the accident. Idaho drivers must carry at least $15,000 in coverage for property damage. This coverage may include covering the cost of repairing or replacing the damaged vehicles of others involved in the accident as well as any other property that may have been involved in the accident.
In order to register a vehicle in the state of Idaho or to legally drive one, every driver must carry these minimum liability requirements. There are many ways that a driver can prove that coverage is in place, with the easiest method being to present the insurance card issued by the insurance company.
For drivers that have lost their insurance card, there are several other methods they can use in order to prove their coverage. For example, the driver may show his or her premium receipt or insurance binder that was issued by the insurance agent. The driver may also present the actually insurance policy or the current declarations page for the policy. A certificate of liability insurance policy that was issued by either the insurer or by an authorized agent may also be used.
For those Idaho drivers that recently purchased a new vehicle, proof of insurance may be demonstrated by showing that insurance was in place for the vehicle that was replaced. In order for this method to be valid, however, the new vehicle must have been purchased within the past 60 days.
Idaho drivers that are renting a vehicle in the state must also have adequate minimum coverage. This should be written into the rental agreement, which can then be presented as proof of insurance coverage.