Car Accident Laws in Idaho
Car accidents in Idaho can happen on congested Boise streets, rural highways, or mountain passes. No matter where the crash occurs, knowing your legal rights can make a big difference in how you recover physically and financially. This guide breaks down Idaho’s car accident laws so you know what to expect when it comes to fault, insurance, deadlines, and compensation.
Idaho Is an At-Fault State
Idaho follows a fault-based insurance system. That means the person who causes the accident is responsible for paying for the resulting damages. If you are injured in a crash, you can:
- File a claim with your own insurer
- File a third-party claim with the at-fault driver’s insurer
- File a personal injury lawsuit against the at-fault driver
Fault must be proven, and the insurance company or court will evaluate the evidence to decide who is liable.
Modified Comparative Negligence Rule
Idaho uses a modified comparative negligence rule with a 50% bar. If you are 50% or more at fault, you cannot recover damages. If you are less than 50% at fault, your compensation will be reduced based on your percentage of fault.
For example, if you are awarded $40,000 in damages but found 25% at fault, you would receive $30,000.
Minimum Auto Insurance Requirements in Idaho
Idaho law requires drivers to carry the following minimum liability insurance coverage:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $15,000 for property damage
Uninsured/underinsured motorist (UM/UIM) coverage must be offered but can be declined in writing. It is a valuable form of protection if you’re hit by a driver with no or too little insurance.
Statute of Limitations in Idaho
The statute of limitations for personal injury claims in Idaho is two years from the date of the accident. Property damage claims must be filed within three years. Failing to file your lawsuit on time could result in your case being dismissed.
When to Report a Car Accident in Idaho
You must report a crash to local law enforcement or the Idaho State Police if:
- There is injury or death
- There is property damage of more than $1,500
- A driver is under the influence
If law enforcement responds to the scene, they will complete a crash report. If not, it is your responsibility to file a report with the Idaho Transportation Department within 72 hours.
What If the At-Fault Driver Is Uninsured?
If the driver who caused your accident doesn’t have insurance, your UM/UIM coverage can help cover your losses—if you didn’t decline it. This insurance steps in when the at-fault party cannot pay for your injuries or property damage.
Without UM/UIM coverage, your only option may be to sue the uninsured driver directly, which can be risky if they have limited assets.
Recoverable Damages in Idaho
After a car accident in Idaho, you may be able to recover compensation for:
- Medical expenses (past and future)
- Lost wages
- Reduced earning capacity
- Property damage
- Pain and suffering
- Mental anguish
Punitive damages are allowed but only in cases where the at-fault driver’s actions were especially reckless or malicious.
What Should You Do at the Scene?
After a crash, your priority should be safety. Move vehicles out of traffic if possible, check for injuries, and call 911. Take photos, collect witness contact information, and exchange insurance details. Request a copy of the police report once it’s available.
Should You Contact a Car Accident Lawyer in Idaho?
If your injuries are serious or you’re having trouble with an insurance claim, contacting a car accident attorney can help. A lawyer can protect your rights, gather evidence, and negotiate with the insurance company on your behalf. Most attorneys offer free consultations and work on a contingency fee basis.