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| Auto Insurance |
States are different and have different laws and regulations regarding auto insurance. All states have different fines and penalties one has to get used to if they are going to drive here. Each state has its own minimum mandatory coverage and limits that require all vehicles to be driven in this state.
If you are going to be driving in the state of Idaho, you must have auto insurance for this vehicle. Whether it is registered or not, it must carry minimum liability insurance. This minimum amount is $25,000 for bodily injury or death of one victim, $50,000 for bodily injury or death of more than one victim or per accident, and $15,000 for property damage.
Damage to the Property will cover any physical damage to objects such as garage doors, homes, businesses, poles, etc. In addition, all drivers must carry Uninsured or Underinsured Driver Cover unless you specifically decline this in writing to your insurance company and a written copy of this must be attached to your proof of insurance at all times.
This is important coverage, because if you get hit by a car and they don't have insurance or their insurance doesn't cover enough damage in this accident, you could end up with a big financial loss. It is important to note that you must carry your insurance with you at all times and it must be insured at all times. The consequences of failing to provide proof of insurance will result in the suspension of your driver's license. It will make life very difficult to travel.
Idaho is Tort state which means, someone has to be found guilty in the accident. The person at fault is responsible for all costs that will be borne by the insurance company and the policy. If you are a victim, you can sue for additional damages or MedPay or something else.
Because of this system, many insurance companies in Idaho will recommend that you get higher coverage to be safe. One bad accident can eat up all of your savings and can leave you in debt forever.
What you will happily discover despite all the rules and regulations regarding car insurance in the state of Idaho is that car insurance in Idaho is anything but expensive. Compared to other states, it ranks as the 48th cheapest state with an average of $577/year for auto insurance. It is recommended to get extra protection and be insured at all times. Drive safely!
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