Core Idaho Sources

• Idaho Department of Insurance — Required Auto Coverage — 25/50/15 liability minimums and UM/UIM disclosure requirements.
• Idaho Code § 41-2502 — UM/UIM coverage and written rejection.
• Idaho Code § 6-801 — comparative negligence.
• Idaho Tort Claims Act — governmental liability, notice and procedural requirements.

Leading Idaho Decisions

• Gearhart v. Mutual of Enumclaw Insurance Co. (Idaho 2016) — UIM anti-stacking and conflicting other-insurance provisions.
• Cedillo v. Farmers Insurance Co. of Idaho (Idaho 2017) — UIM claim handling and bad-faith standards.
• Christmann v. State Farm Mutual Automobile Insurance Co. (Idaho 2023) — UIM settlement, subrogation and policy conditions.
• Vaught v. Dairyland Insurance Co. (Idaho 1998) — uninsured-motorist coverage and the “fairly debatable” bad-faith standard.

Use these authorities with the current Idaho Code, Department of Insurance forms and guidance, later citing decisions and the actual insurance contract.

Publication review note — September 17, 2026. Confirm subsequent history, statutory amendments and current policy language before reliance.