What will happen if you had your auto insurance lapse for 1 year in Idaho and you want to insure it again with a different carrier?

Paulo

Boise, ID

You should be able to get insurance and get your car insured but you will normally find higher insurance premium due to the lapse in coverage and especially if you were terminated for non-payment. You will also lose out on any previous discount you may have had for having continuous coverage with your car insurance company.

Before getting auto insurance you will also need to take care of any issues, like license suspension and other penalties the state of Idaho may have placed upon you because of being uninsured. The Idaho Department of Transportation states that in ID, failure to carry motor vehicle insurance is a reason for your driving privileges to be suspended.

To get more information regarding penalties for being an uninsured auto owner, contact the Idaho Transportation Department through their website.

I would like to know if I can remove my daughter from my car insurance in Meridian, ID, who is 22 years old and still lives with me. If she turns in her drivers license is that proof to the insurance company that she is no longer driving my car?

Amanda

Meridian, ID

While insurance carrier’s guidelines may vary if you can prove that a driver on your car insurance policy has turned in her drivers license voluntarily then you should be able to remove her from your car insurance policy in Meridian, ID generally.

To check what your insurance carrier requires of you in order to take your daughter off of your car insurance policy, speak with your car insurance agent. To see if your state has any auto insurance laws regarding this type of situation you may contact your state’s insurance regulatory body.

How can I lower auto insurance cost in Idaho?

Charlie

Boise ID

There are many ways for you to lower vehicle insurance cost in Idaho. The first thing you should do is to shop for quotes. Shopping for quotes means you get a comparison of how insurers rate you. You will also know which among them provide the lowest or the highest premium. The second way for you to lower your vehicle insurance cost in Idaho is to maintain a good credit report. Insurance companies prefer people who pay for their credit.

Getting a lower vehicle insurance cost in Idaho can also happen through the choice of your vehicle. The less expensive your car is, the better it is since insurers face a lower risk with that. Remember though not to purchase a very old model that does not have safety features. Safety features are important in lowering your costs. Also, your insurance rate will lower if you stick to the minimum coverage for the state of Idaho. If your car is not flashy or expensive, you can stick to the minimum since repairs to an inexpensive car will not be much. Finally, keep your driving record clean by following traffic rules and driving carefully to avoid getting into at-fault accidents.

I co-sign for a car loan in Idaho however the primary on the car loan does not have auto insurance. I am just worried that if in case of an accident, will I be held liable for anything?

Jeremy

Nampa, ID

If you co-sign on a car loan in Nampa, Idaho then it is likely that you could be held liable if in case there was an accident and the car was not properly insured. You are partly responsible as the co-signer, for those who use or operates the automobile and what happens while they are operating the vehicle.

Normally the the lien holder or the financial institution on the car will require you to have collision and comprehensive coverage above the state’s mandatory liability auto insurance. In this manner their asset which is the automobile is protected. If the automobile insurance lapses or cancelled on the automobile they might decide to take out auto insurance on the car themselves and add the cost, which will be higher, to the car loan.

It would be best to verify if the vehicle you co-signed is insured to make sure anyone who drives the car or the vehicle itself is fully protected.

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

My 15 years old son who does not have a license yet, without my permission took my vehicle, drove it and got involved in an accident with another vehicle due improper left turn. No injuries on both cars but both vehicles have damages. The other vehicle is insured, my car is not. This occurred in Boise, Idaho. My question is , what legal consequences he might have or what should we be expecting from all this?

Jerry

Boise, ID

If the household member that took the vehicle is found to be at-fault in a crash there is the possibility that you could be held responsible since you are the owner of the car. The driver is liable as well and the other party will go after for the damages and may file it with their insurance provider.

As for your son’s case; the state maintains driving histories even for those without a drivers license, and requires all motorists under seventeen to comply with the requirements of the Graduated Driver Licensing (GDL) Program before they can get a drivers license.

If there was a police report filed, then he could have a lot of violations filed against him including driving without owner’s permission and driving without a license. These infractions could affect his eligibility to obtain his license, and as well as his insurance rates in Boise Idaho once he gets his license.

In Meridian, Idaho, when a premium finance provider submits a termination notice to the insurance company , what effective date should the insurance company use? The date of receipt by the carrier or the date the Premium finance company requests?

Bill

Meridian, ID

It is typically the premium finance company that request cancellation of the insurance policy on a certain date. Then, the insurance provider terminates it on that date and returns the premium to the finance company to pay off the loan.

As for the statutes or insurance laws in Idaho, you should be able to find out this information from the insurance regulatory bodies of each state in your area in insurance laws or . Or you may want to check the statutes of each state’s insurance codes or laws.

In Idaho the Statute covering the Idaho Insurance Code is under Title 41.

Do I have to tell my car insurance company of a disability that impairs my driving ability? Is it illegal not to do so?

Patricia

Pocatello, ID

Typically, whether you are in the US or Canada need to tell your insurance provider if your driving ability is currently impaired due to any medical condition. If after you have received your auto insurance policy, something happens so that you become aware of a medical condition, of you or any drivers on your policy, which may affect their ability to operate vehicle, the insurance provider needs to be informed.

If the insurance provider is not notified of this information, depending on the terms of your insurance policy, they may be able to turn down auto insurance claims if they were caused by driving issues resulting from your medical condition.

In the US, most states including Idaho require you to tell the Department of Motor Vehicles of any medical issue that might affect your driving ability. You might need to bring medical information, take tests or letters from a doctor so that the agency that grants drivers licenses in your state permits you to keep your driving privileges.

I am roommate with my sister and a friend in Idaho. I am over the age of 25 but, my sister is not. She has a valid driver’s license, but she does not drive my vehicle and she currently does not own a car. Am I required to add her to my insurance?

Karen

Pocatello, ID

Insurance carrier guidelines vary but typically an insurance company will require you to list all licensed motorists in your household. If neither your sister nor the other roommate drives your car then you may be able to exclude them from your insurance policy.

Whoever you exclude from the policy would then not be covered by any part of your car insurance if they ever did drive your vehicle. To know more about insurance laws in Idaho or get consumer help with car insurance questions you can contact the Idaho regulatory body for insurance companies in ID.