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Idaho Car Accident Law: A Guide for Drivers

Idaho Car Accident Law

Car accidents can be traumatic and confusing experiences, and understanding the legal framework that governs them is essential for anyone involved in a crash. In Idaho, specific laws and procedures dictate how accidents are handled, who is liable, and how victims can seek compensation. This article outlines the key aspects of Idaho car accident law to help drivers navigate the aftermath of a collision.

1. Fault-Based System

Idaho operates under a fault-based system (also known as a tort system) when it comes to car accidents. This means that the person who is found to be at fault for causing the accident is responsible for the resulting damages. The at-fault driver’s insurance typically covers medical expenses, property damage, and other losses.

2. Comparative Negligence

Idaho follows a modified comparative negligence rule. Under this system, an injured party can still recover damages even if they are partially at fault for the accident—as long as their fault does not exceed 50%. However, their compensation will be reduced by their percentage of fault.

For example, if a driver is found to be 30% at fault and the total damages are $10,000, they would be entitled to recover $7,000. If they are 51% or more at fault, they cannot recover any damages.

3. Mandatory Reporting Requirements

According to Idaho law, drivers must report an accident to law enforcement if:

  • There is injury or death.

  • There is property damage of $1,500 or more.

  • The accident involves an unattended vehicle or property.

Failure to report such accidents can result in legal penalties, including fines or license suspension.

4. Statute of Limitations

Idaho imposes strict deadlines for filing a lawsuit after a car accident:

  • Personal injury claims must be filed within two years from the date of the accident.

  • Property damage claims must be filed within three years.

Failing to file within these timeframes typically results in the loss of the right to pursue compensation through the courts.

5. Insurance Requirements

Idaho requires all drivers to carry minimum liability insurance. As of 2025, the minimum coverage amounts are:

  • $25,000 for bodily injury or death of one person

  • $50,000 for bodily injury or death of two or more people

  • $15,000 for property damage

Driving without insurance is illegal and can result in fines, license suspension, and increased premiums.

6. Uninsured/Underinsured Motorist Coverage

Although not mandatory, Idaho insurers must offer uninsured/underinsured motorist (UM/UIM) coverage. This coverage protects drivers if they are involved in an accident with someone who has no insurance or insufficient insurance to cover the damages.

7. What to Do After an Accident

If you’re involved in a car accident in Idaho:

  • Check for injuries and call 911 if needed.

  • Move to a safe location, if possible.

  • Exchange information with the other driver(s), including insurance details.

  • Document the scene with photos and notes.

  • File a police report, especially if required by law.

  • Notify your insurance company promptly.

8. Seeking Legal Help

In serious accidents involving significant injuries or disputes about fault, it’s wise to consult a personal injury attorney. An experienced lawyer can help protect your rights, gather evidence, and negotiate with insurance companies to ensure fair compensation.

Conclusion

Understanding Idaho’s car accident laws can make a significant difference in the outcome of your claim. Whether you’re seeking compensation or defending against a claim, knowing your rights and responsibilities is crucial. When in doubt, consult a legal professional who can guide you through the process based on the specifics of your case.