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Idaho State Auto Insurance Crash Laws

August 24th, 2010

  1. idaho image by Allyson Ricketts from Fotolia.com  Every Idaho driver must be properly insured at the time of a crash. Automobile crash laws in Idaho are very specific. For example, Idaho Statute 49-1301 states that anyone who causes an accident must stop at the accident scene or as close as possible and make every effort to remain there until all other provisions of the law regarding accidents are fulfilled. Auto insurance laws are similarly detailed. The two sets of laws overlap only briefly, however, so there are few state laws regarding auto insurance at the time of a crash.

    2. Idaho Statute 49-1232

  2. Statute 49-1232 states that all drivers must carry acceptable proof of insurance in their vehicles at all times, and must be able to provide this proof to any law enforcement officer when requested. Since nearly all accidents require law enforcement notification, according to Statute 49-1305, this means you must furnish proof of insurance after a crash and you can face penalties if you do not.

    3. Penalties

  3. According to Statutes 49-1229 and 49-1232, there are penalties for being uninsured after a crash in Idaho. The first offense is punishable by a $75 fine, as of August, 2010. The second and all subsequent offenses within a five-year period carry fines up to $1,000 each, six months in county jail or both.

    4. Required Minimum Insurance

  4. You must provide proof that you carry at least a minimum amount of insurance after a crash. According to Idaho Statute 49-117(18), the minimum required amount is $25,000 bodily injury liability coverage per person, $50,000 bodily injury liability coverage aggregate and $15,000 property damage liability coverage. Insurance policies list this coverage as 25/50/15.

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