What Is The Penalty For Driving Without Car Insurance in Idaho?
Reader’s Question:
What do you think the penalty for a second ticket for driving without insurance insurance ticket in the state of Idaho? Am I going to Jail?
Rick
Nampa, ID
The Idaho driver’s manual states that if you violate ID insurance laws, you will, for the first violation, be required to provide proof of financial responsibility for a year. If you commit a second violation in a 5-year period, you will be required to provide proof of financial responsibility for 3 years. The acceptable form of proof of financial responsibility is a certified statement of liability auto insurance coverage from your insurance company which is an SR-22 certificate.
The state of Idaho laws states that driving without car insurance is an infraction punishable by a fine of $75.00 for any individual to violate the provisions of this section for the first time. A second and any subsequent conviction for a violation within a period of 5 years shall be a misdemeanor, punishable by a fine not exceeding $1,000, or by jail time in the county jail not exceeding 6 months, or both.
As you can see a fine and possibly jail time for driving without insurance in Nampa Idaho. I sure hope you do not see jail time, as that seems extreme for your case
What Does Auto Insurance Cost in Idaho?
Reader’s Question:
I just hit a deer in my vehicle and was wondering how much the damage would have to be for the insurance carrier in Pocatello, ID to total the vehicle. Is it the suggested retail value of the vehicle or half of it?
Bill
Pocatello, ID
When an insurance appraiser calculates the damages to your vehicle, he or she will determine how much it will cost to repair the vehicle. The repair appraisal is similar to the “blue book” value of your vehicle. The blue book value is the retail value or the fair market value of the car. So, how much would you have to pay a auto dealer or person for a vehicle as similar as possible to yours. If the cost of repairing your vehicle exceeds the fair market value, the vehicle is considered totaled.
If your vehicle is determined to be totaled, and if you think that the fair market value offered by the insurance company in Pocatello, ID is too low, you get more information. Get signed statements from car dealers that say the value of your vehicle. Look in the classified ad section of the newspaper for cost of vehicles similar to yours. You may use this information to negotiate a fairer settlement for you. Always obtain the information you need to support your case.
Idaho Young Driver Insurance Discounts – Free Rate Check
Reader’s Question:
My 17 year old daughter just got her license, do I have to place her in my car insurance policy in Post Falls Idaho?
Howard
Post Falls, ID
Insurance carrier’s guidelines vary so you will need to contact your insurance broker or agent to check if your insurance company will require your daughter to be put on your car insurance policy. Generally most insurance companies do require you to put your child on your car insurance policy, either after they have received their provisional license or full license. When they need to be placed on as a driver differs from one insurer to another.
Adding a teenage driver to your insurance policy usually increases your car insurance rates by quite a bit since they are inexperienced and prone to be in more accidents. So when adding your daughter to your insurance policy verify with your insurance company about any possible discounts you can get. Many insurance providers offer a good student discount.You may also check if your insurance carrier offers discounts if your daughter takes a driver education class.
