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Idaho · State Law Library Hub
Idaho Auto Insurance & Crash Law Library
A public legal education and research library for Idaho automobile insurance, UM/UIM, comparative responsibility, insurer duties, damages, settlement and controlling authority.
Idaho State Law Library
Numbered guides by legal category
Start with Guide 01 if you are new to the library. Browse all 22 issue guides by legal category and open the Idaho guide that matches the next coverage, liability, damages, insurer-conduct or settlement question.
Getting Started in Idaho
State-specific working guide: how to use the library, build the claim map, and decide what to do first.
Coverage & Insured Status
Required insurance, every policy, insured status, UM/UIM, stacking and policy interpretation.
Insurer Duties & Claims Conduct
Disclosure, claims handling, agents, defense and failure to settle.
Vehicle & Use Questions
Borrowed and rental vehicles, work and commercial use, rideshare and public-entity vehicles.
Liability & Proof
Comparative responsibility, crash investigation and evidence preservation.
Damages & Resolution
Damages, wrongful death, medical-payment and reimbursement issues, and settlement.
Case Authority
Idaho statutes and appellate authority organized by issue.
Guide 01 · Idaho Citizen’s Guide
How to use this library before making a final claim decision
Build the claim map first, then select the guide that answers the next question. Keep liability, first-party benefits, medical reimbursement, and any public-entity claim distinct.
Identify the driver, owner, possible employer, other responsible parties, and every claimant. Use Guide 14 for work use and Guide 16 when a public entity may be involved.
Begin with Guide 03. With Guide 05, examine the UM/UIM disclosure and rejection records and the purchased UIM structure instead of assuming how the limits apply.
Use Guide 18 to organize reports, photos, witnesses, vehicle data, medical chronology and correspondence. Keep a separate deadline calendar; do not treat insurer discussions as a substitute for deadline review.
Read Guide 21 and Guide 22, then check the case-authority library, official sources, and actual policy before deciding what a release or reimbursement demand means.
Idaho Current-Law Snapshot
Issues to identify early
25 / 50 / 15 minimum liability
Idaho’s minimum liability limits remain 25/50/15.
Modified comparative responsibility
Idaho Code § 6-801 applies a claimant-fault threshold and proportional reduction.
UM/UIM included unless rejected
Written rejection and the Idaho disclosure/selection record are central coverage documents.
MedPay optional
Idaho does not require PIP; MedPay depends on the policy.
Different UIM structures
Idaho recognizes differing UIM structures, making the purchased form and policy language material.
Idaho Department of Insurance
The DOI regulates insurers, producers, complaints and market conduct.
Primary Research
Official Idaho research sources
VictimsGuide is the navigation layer. Current primary authority, the actual insurance contract and the verified factual record control.
Idaho Statutes
Open statutes →Idaho Department of Insurance
Open regulator →Idaho Transportation Department DMV
Open DMV →Idaho Supreme Court
Open courts →Idaho State Police
Open ISP →Idaho Administrative Rules
Open rules →The Department of Insurance’s Required Auto Coverage guidance explains the minimum liability limits, UM/UIM rejection and disclosure records, and differing UIM coverage structures.
How this library stays current
Build the complete Idaho coverage and claim map
Identify every liable person and entity, every policy and insured, UM/UIM selection and structure, employment/rideshare/public-entity issues, comparative responsibility, evidence, damages, insurer conduct, medical-payment/reimbursement interests and release consequences before claim closure.
Do not let one insurance card define the available recovery.
Find the policies, identify the applicable insureds, preserve the evidence, and review damages, reimbursement and release consequences before treating a claim as complete.