No, Idaho is not a no-fault state. Like most other U.S. states, Idaho uses “at-fault” insurance laws. Idaho’s at-fault state laws can make insurance coverage more complicated after a car accident.
A knowledgeable Idaho car accident attorney from Feller & Wendt, LLC™ can walk you through the process of successfully filing a claim. Our attorneys are dedicated to providing our clients with individualized support while we work on maximizing their case results. Contact us today to schedule a free consultation.
What Is an At-Fault State?
In at-fault states, drivers responsible for causing an accident are liable for covering the resulting damages and injuries. The at-fault driver’s auto liability insurance typically compensates the other party for medical expenses, property damage, lost wages, pain, and suffering. Fault is determined through evidence like police reports and witness statements.
In contrast, no-fault states require each driver’s insurance to cover their own medical expenses and lost wages, regardless of who caused the accident. This system limits the ability to sue unless the injuries meet certain requirements, such as a “severe injury” threshold. No-fault insurance aims to reduce litigation and streamline compensation but often excludes certain damages, such as property damage, pain, and suffering. Only 12 states use no-fault insurance laws.
How Can Idaho’s At-Fault Insurance Laws Affect Me?
At-fault laws incentivize drivers not to readily accept responsibility for a crash, as doing so leads to liability. As a result, you will need to gather strong evidence to prove that the other driver was to blame.
Calling the police immediately after an auto accident can help you establish fault, as the ensuing report can make note of reckless behaviors like speeding. An unflattering police report might be enough to convince the at-fault driver’s insurer to offer a fair settlement. Our experienced Idaho car accident attorneys can help you gather evidence to prove liability.
Idaho’s Car Insurance Requirements
The mandatory auto liability insurance in Idaho is $25,000 per person and $50,000 per accident for bodily injury or death, as well as $15,000 in property damage. Failure to carry the required insurance is a crime punishable by fines and up to six months in jail.
Many states also require drivers to carry uninsured/underinsured (UM/UIM) motorist coverage. As the name suggests, this insurance covers you in an accident with an at-fault driver who has insufficient insurance to pay for your damages. Idaho insurers are legally required to offer this coverage when selling policies, but you are free to reject it in writing.
Trust Feller & Wendt, LLC™ for Expert Guidance on Idaho’s No-Fault State Laws
If you’ve been injured in a car accident, properly understanding Idaho’s no-fault state laws can be critical in getting the full and fair compensation you deserve. Our skilled personal injury attorneys have more than 70 years of experience and are dedicated to helping injury victims like you get the recovery they need. Contact us online or call (208) 391-5945 today for a free consultation.
*This information provided by Feller & Wendt, LLC™ is for informational purposes only and should be in no way construed as legal advice.
