Idaho auto insurance laws require that drivers have proof that they can be held financially responsible for any damages they cause in a car accident carried within their vehicles at all times. This proof of financial responsibility can come in the form of liability insurance. Idaho auto insurance companies give their clients this proof after they have been approved of for Idaho auto insurance coverage.
Idaho auto insurance requirements for liability coverage are equal to 25/50/15. The first two numbers amount to the minimum amounts of liability coverage required for bodily injuries. The last number is how much is required for property damages. The first number means that drivers have to have $25,000 worth of liability coverage for one person injured in a car collision. The number 50 signifies that drivers must have $50,000 worth of bodily liability coverage for the entire accident. The third number means that drivers need to have $15,000 worth of liability coverage for property damage for the entire accident.
Idaho auto insurance laws require that anyone who plans to register a vehicle needs to sign a paper stating that the vehicle will be insured, if it is not already. For those who do not want to purchase their car insurance from Idaho auto insurance companies, they have the option of purchasing a bond in Id. This bond lets people know that the driver has the means to pay $50,000 for the damages incurred in an accident that the driver has caused. This type of bond must meet the approval of the Department of Insurance in Idaho. When it is approved, drivers receive their proof of financial responsibility and they meet the requirements of Idaho auto insurance laws.
Drivers in Idaho who do not follow the Idaho auto insurance laws will suffer a few consequences as a result. Those who do not carry their proof of insurance within their vehicles will have to carry proof of financial responsibility as described above for an entire year. Those who are convicted of a second offence will be required to carry this type of financial responsibility for three years. The penalty for driving without insurance is even more punishing; those convicted of this offence will have their licenses suspended.
Idaho auto insurance laws carry stiff penalties for those who drive under the influence of a substance such as alcohol. In the state of Id, a blood alcohol level of at least 0.08 percent is in violation of Idaho auto insurance laws. The result may be a suspension of these peoples’ driving privileges from 30 days to five months. They also have the possibility of being sentenced to serve prison time for, at the most, six months.
Idaho auto insurance laws increase the severity of their penalties for a second DUI conviction. In these cases, drivers convicted of DUI have the potential to receive a 10 day to a 365 day prison sentence. After the sentence is over, a year’s suspension of their driving privileges begins. After the suspension ends and these drivers resume driving their cars again, they will be required to have an inter-lock system in their cars that requires drivers to breathe into it before the engine can be started.
Another thing to consider is how Idaho auto insurance companies treat these offences. Someone with extensive coverage that supposedly pays for all repairs to cars damaged in a car collision caused by the policyholder as well as their own repairs will not necessarily apply in a DUI case. Drivers convicted of a DUI will not be able to file a claim with their Idaho auto insurance companies to have them pay for their vehicle repairs. DUI convictions render any agreements with the car insurance companies null and void.
After Idaho drivers have been convicted of a DUI, they will be considered to be high risk drivers and will, subsequently, need to purchase a high risk car insurance policy. Because drivers with DUI convictions are considered to be a higher risk for Idaho auto insurance companies, they will tend to charge these people more for car insurance than they do for people who do not have these convictions. For this reason, drivers with DUI convictions need to seek cheap Idaho auto insurance quotes from several different companies online. These quotes will be free and will give drivers with troubled driving pasts the opportunity to find the lowest Idaho auto insurance rates that they can for their circumstances.
The best way to choose the right Idaho auto insurance companies is to check with a company such as J.D. Powers & Associates for the company’s Idaho auto insurance ratings. The ratings will give drivers information such as how quickly a car insurance company responds to claims that are filed by their clients. They also let drivers know how well the car insurance company resolves the issues that their clients have with them. If it turns out that Idaho auto insurance companies have high ratings, then drivers can begin to compare the cheap Idaho auto insurance quotes that they received.
Idaho auto insurance rates will depend upon each individual’s personal experience, but some car insurance companies cater to those who have difficulties qualifying for car insurance such as those who have convictions for DUI. Because drivers with DUI convictions have sought a free, online quote from several different car insurance companies, they will have several different choices for Idaho auto insurance rates.