In Idaho, drivers must maintain at least liability insurance for protection in the event of a car accident. Idaho follows the 25/50/15 plan, consisting of $25,000 for for injury and death coverage, $50,000 for injury and death coverage for other individuals, and $15,000 for property damages.
When a car accident happens, Idaho follows the “fault system,” which means that the party who was at fault for the collision must pay for bodily and property of the other party involved. If insurance does not cover all of the damages, then the responsible party must pay out of pocket. However, before any damages can be paid out, injured parties must either file a claim with their own insurance, file a claim with the responsible party’s insurance, or file a lawsuit. In “no fault” states such as Idaho, insurance claims must be used first before pursuing additional damages, and even then, there are several limits as to what a driver can sue for. It’s important to hire a car accident lawyer in states that adhere to the fault system law, as the details are extremely intricate as to what is covered and what can be filed.
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