Most Idaho drivers know they need auto insurance. What many don't realize is that carrying only the state minimum limits could leave them financially exposed after an accident.
Idaho requires drivers to carry liability limits of $25,000/$50,000/$15,000. In simple terms, that means your policy can pay up to $25,000 for injuries to one person, up to $50,000 total for everyone injured in the accident, and up to $15,000 for damage to another person's vehicle or property if you're found at fault.
While those minimums satisfy state requirements, they may not provide enough protection in today's environment.
Think about the cost of a serious injury. A trip to the emergency room, diagnostic testing, surgery, physical therapy, and lost wages can add up quickly. It doesn't take much for medical expenses to exceed $25,000.
The same is true for vehicle repairs. Modern vehicles are packed with cameras, sensors, and advanced technology that make them safer to drive but significantly more expensive to repair. If you total a newer SUV, pickup, or luxury vehicle, $15,000 in property damage coverage wouldn’t go very far.
If you're responsible for an accident and the damages exceed your liability limits, you could be personally responsible for the remaining costs.
That's why our agency generally recommends liability limits of at least $100,000/$300,000/$100,000 for most drivers.
We don't recommend higher limits to increase your premium. We recommend them because we've seen firsthand how expensive accidents can become. Even $100,000 of property damage coverage can be exhausted surprisingly quickly, especially in a multi-vehicle accident or when newer luxury vehicles, SUVs, or pickups are involved.
Auto insurance isn't just about meeting the state's requirements. It's about protecting your savings, your assets, and your future from the financial impact of a serious accident.
Not sure what liability limits you currently carry? Give us a call or send us an email. We'll review your current coverage and help you determine whether it still makes sense for today's world of rising medical costs, vehicle repair expenses, and increasing claim settlements.
About the Author
Bradford Christensen
Insurance Advisor | Christensen & Associates Insurance Agency
Bradford Christensen works with individuals, families, and businesses throughout Idaho to help identify insurance risks and find coverage solutions that fit their needs.
Disclaimer
This article is intended for general informational purposes only. Please consult your insurance advisor regarding your specific situation.