Uninsured drivers in Idaho
According to a recent report by the Insurance Research Council (IRC), 8 percent of Idaho drivers were uninsured in 2009. This was below the national average of 13.8 percent, but it still means roughly 1 in 12 drivers may be unable to pay for post-accident medical expenses after an at-fault accident.
Uninsured motorist coverage offers protection for you and your passengers if you're injured in an accident with an uninsured or underinsured driver. It can also help pay for damage done to your vehicle as a result of the accident.
The consequences of driving without insurance in Idaho
Idaho residents caught driving without car insurance face license suspensions and will need to provide proof of responsibility to the state for a one-year period (3 years for repeat offenders).
Drivers can prove financial responsibility by having their insurers submit an SR-22 form with the state.
Documents verifying proof of insurance
In 2012, Idaho became the first state to allow digital proof of insurance in addition to the traditional paper certificate. Make sure to always have some form of proof in your vehicle while you're driving.
Alternative car insurance option
Drivers who don't qualify for a typical car insurance policy can apply for the Idaho Automobile Insurance Plan. A licensed car insurance agent can help drivers apply.
The U.S. Department of Transportation recently reported that 11 percent of Idaho residents carpool — a great way to help the environment and reduce traffic congestion.