Bucolic Idaho, one of the largest manufacturers of potato country, producing almost one-third of the potatoes grown in the United States, also known as one of the largest semiconductor manufacturers in the country. Thus, although it is an important agricultural state, its largest industry is actually science and technology. And now we will see the main peculiarities about Auto Insurance in Idaho.
Idaho capital, Boise is home to Micron Technology. Sun Microsystems, which was acquired by the Oracle, uses a large number of people, as well as Hewlett-Packard, which produces its inkjet printer out there.
Idahoans enjoy some of the lowest in the country auto insurance premiums, and paying less than the national average car insurance premiums.
Idaho car insurance – mandatory requirements.
Idaho auto insurance laws require motorists to carry two types of car insurance: liability and uninsured / Underinsured motorist. It is illegal to ride in Idaho without both surfaces. Idaho residents have a right to refuse uninsured / underinsured motorist coverage, but they should do so in writing.
Those mandatory minimums you must carry to travel on the roads of Idaho:
- $ 25 000 – injured, one person
- $ 50,000 – bodily injury, multiple victims of an accident
- $ 15 000 – property damage
It is important to note that while the above limits correspond to the state of the auto liability insurance, you need a minimum of Idaho, in many cases, only the minimum coatings are transported can put you at risk.
Say for example that you are seriously injured in a car accident. With skyrocketing medical costs if your medical expenses that an accident exceeds the limit for which you have coverage, your insurance company will only pay up to the covered amount. The remaining costs will come out of his own pocket.
It is advisable to discuss with your car insurance agent Idaho proper coverage you must carry in order to ensure that you have full protection you need.
Auto Insurance in Idaho – Uninsured (UM) / Underinsured (UIM) motorist coverage
In accordance with the laws of Idaho auto insurance, it is mandatory that all policies purchased or renewed after January 1, 2009 must include UM and UIM auto insurance. Idahoans may waive this insurance, but must do so in writing.
UM auto insurance protects you if you are in a car accident and found to be at fault. This coverage protects you in a situation of uninsured motorists or the one who runs the place of the accident.
UIM protects you in the event underinsured driver who does not carry the required legal amount of liability insurance.
The above coverage to pay for injuries sustained in an accident. How UM / UIM coverage, as a rule, do not pay for any damage to your car, be sure to discuss this with your Idaho auto insurance agent or company to make sure that you are properly protected.
Request your agent about how to cover yourself and all your family members for damage to property. Your agent may be able to add a cover property damage UM / UIM in your policy. So, this is it as for the Auto Insurance in Idaho.
See the video–>Idaho Car Insurance Requirements And Minimums Explained: