I got involved in a car accident here in Idaho where the other driver was declared at fault. Now I have a cast on my leg and been in the hospital for a month. My medical payments insurance is almost used up. Will my insurer go after the other party’s car insurance company to collect money for my medical treatment?

Hugh

Boise, ID

Each state has varying car insurance laws. In Idaho, drivers are required to obtain the minimum liability insurance. This means that if the insured ever gets involved in a car accident and is found to be at fault, then his or her car insurance provider will shoulder the costs incurred resulting from the accident.

Minimum coverage means having up to twenty-five thousand dollars to pay for treatment of bodily injuries to a single person or a combined total of fifty thousand dollars for all passengers engaged in the accident. An amount of fifteen thousand dollars goes to property damage coverage if repairs are needed to the victim’s vehicle.

Assuming that the other motorist involved in the accident you were in has minimum liability coverage, then you really wouldn’t have any problem claiming medical payments coverage from his or her insurer. But while Idaho mandates that every driver have minimum liability insurance, some still drive around with not enough or no coverage at all. In this case, if you availed of the uninsured/underinsured section in your policy, then your own car insurance company should be the one taking care of all the medical expense, provided that the cost incurred for medical treatment is within the limit stated in your car insurance policy.

A: Non owner Idaho SR22 most definitely exists. It costs more than operator SR22 policies and it has less coverage, but it’s still a good alternative for people who need their license so they can drive now and then but who don’t actually have their own car. Since no car is attached to a non owner Idaho SR22 policy, it costs more, and the only coverage you’re able to get is liability. However, if the car you’re driving has collision and comprehensive coverage, then they will cover it most of the time if you get into a car accident. As a matter of fact, if the car you’re driving has insurance, that insurance will kick in first if you wreck it, and your own non owner Idaho sR22 only kicks in after the other insurance runs out.

You can buy non owner Idaho SR22 car insurance from pretty much any place which sells car insurance, including online. It comes with the same requirements as any other SR22 insurance policy. If you fail to pay, then an SR26 will be submitter and your license will be suspended.

A: There are two times, one unique and one consistent, when you should start checking out different companies to see who offers the best prices and services for Idaho SR-22 insurance. One of these is once a year, like clockwork. Even if you are satisfied with your company and haven’t experienced any rate changes, most car insurance companies are changing their rates and criteria all the time, so by checking prices once a year, you keep abreast of what the competition offers.

Otherwise, you should comparison shop for Idaho sr-22 insurance anytime you experience a change in your living circumstances which could affect your rates. If you get hitched, if you have a new drive in the home, if you have a new car or you’ve finished paying your car off, if you move to a new location, get into a car accident, reach the age of 25. The list goes on.