If you drive in Idaho, it’s important to understand how the state addresses uninsured motorists. A collision involving a driver without insurance can escalate an already difficult situation. Idaho law clearly outlines the consequences of operating a vehicle without valid coverage.
Minimum insurance requirements
Idaho mandates that all motorists maintain liability insurance. The minimum coverage includes $25,000 for injury or death of one individual, $50,000 for injury or death of multiple individuals, and $15,000 for property damage. If you’re pulled over or involved in a car crash and cannot present valid proof of insurance, you could face significant legal penalties.
Penalties for uninsured drivers
Operating a vehicle without insurance in Idaho leads to strict penalties. A first offense may result in a fine of up to $250 and the suspension of your driver’s license until you provide proof of insurance. A second offense could lead to fines as high as $1,000 and possible incarceration. Additionally, the state may require you to file an SR-22 certificate, verifying that you have the mandated insurance coverage moving forward.
What happens after a crash?
If an uninsured driver is responsible for a collision, they are personally liable for all resulting damages. You have the right to pursue legal action to recover medical expenses, vehicle repairs, and other related costs. Idaho law also permits you to purchase uninsured motorist coverage, which provides compensation if the at-fault driver lacks adequate resources. While not required, this coverage offers valuable financial protection.
There are proactive steps you can take to minimize your risk. Consider adding uninsured and underinsured motorist coverage to your policy. If you’re involved in an accident, contact law enforcement and obtain an official report. Document the scene with photographs and exchange all relevant information. These measures will strengthen your position if you need to file a claim.