Medical Expenses Auto Insurance Coverage in Idaho
Reader’s Question:
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.
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.
Need Cheap SR22 Insurance Idaho For License Suspension?
Reader’s Question:
My license is suspended in Boise, Idaho due to reckless driving…what can I do to have it reinstated as soon as possible?
Ronald
Boise, ID
Ronald, it is not the end of the world and there’s always something you can do in Boise, Idaho.
You simply have to comply with the State of Idaho’s requirement. A remedy that you can do is to purchase liability insurance utilizing the Idaho minimum requirements in filing an SR-22 high-risk auto insurance form with the State DMV. These policies can be bought from local auto insurers in Boise which may be one of two types: owner or non-owner policy. Be aware though that not all auto insurers have SR22 filing.
You can try to shop online for companies in Boise, Idaho ID which offer SR22 filing. You can do so in this page by accomplishing the form that you see above. This will come in no obligation and you can get free quotes in no time.
SR22 policies are issued by your local agent in Boise, Idaho in cooperation with an acceptable insurance company licensed to operate in the State of Idaho. After the policy is issued, the insurer’s main office in Boise, Idaho electronically files an SR-22 high-risk auto insurance form with the Idaho DMV Department of Financial Responsibility on the insured’s behalf. The issuing agent from Boise files an SR-22 insurance form with the State of Idaho and the insured receives a copy of the SR-22 insurance form along with the policy and proof of insurance cards.
