IDAHO GUIDE 05
Idaho Uninsured & Underinsured Motorist Coverage
Idaho insurers generally provide UM and UIM bodily-injury coverage unless the named insured rejects either or both in writing. Coverage analysis should address insured status, limits, offsets, exclusions, settlement effects and subrogation.
- Obtain declarations, endorsements and UM/UIM rejection or selection documents.
- Identify every policy under which the injured person may qualify as an insured.
- Review liability settlements before executing releases.
- Apply current Idaho statutes, DOI forms and controlling authority.
Publication review note — September 17, 2026. Verify current Idaho UM/UIM statutes, DOI forms and policy language before publication.
VictimsGuide 