{"id":372944,"date":"2016-10-10T16:27:53","date_gmt":"2016-10-10T21:27:53","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/state\/idaho-law\/idaho-car-accident-compensation-laws.html"},"modified":"2025-06-27T13:43:43","modified_gmt":"2025-06-27T18:43:43","slug":"idaho-car-accident-compensation-laws","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/idaho-law\/idaho-car-accident-compensation-laws.html","title":{"rendered":"Idaho Car Accident Compensation Laws"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Idaho Car Accident Compensation Laws<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/christie-nicholson-j-d\/\">Christie Nicholson, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/catherine-hodder-esq\/\">Catherine Hodder, Esq.<\/a>\n                | Last updated\n        <time>\n                            June 27, 2025\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<blockquote><b style=\"font-size: 0.8125rem;\">Idaho car accident compensation laws are based on a \u201cfault\u201d system, meaning the at-fault driver is responsible for the damages. Under modified comparative fault in Idaho, victims may recover damages if they are less than 50% at fault.<\/b><\/blockquote>\r\n<p>Idaho motor vehicle insurance laws require drivers to carry liability insurance in case of an accident. The insurance coverage pays for the other driver\u2019s injuries and property damage if the insured driver causes an accident. In Idaho, the at-fault driver\u2019s insurance pays for personal injury claims up to the statutory amount.<\/p>\r\n<p>Recovery in an Idaho personal injury case depends on the driver\u2019s percentage of fault and the nature of the accident.<\/p>\r\n<h2><b>Understanding Idaho Car Accident Compensation Laws<\/b><\/h2>\r\n<p>Idaho law <a href=\"https:\/\/codes.findlaw.com\/id\/title-49-motor-vehicles\/id-st-sect-49-1229.html\" title=\"requires all drivers to carry minimum liability car insurance\" target=\"_blank\" rel=\"noopener\">requires all drivers to carry minimum liability car insurance<\/a>. Liability insurance covers you when you are the at-fault party in an accident. Idaho currently requires drivers to carry:<\/p>\r\n<ul>\r\n<li>$25,000 bodily injury per person<\/li>\r\n<li>$50,000 bodily injury total per accident<\/li>\r\n<li>$15,000 property damage<\/li>\r\n<\/ul>\r\n<p>Liability coverage does not pay for your injuries in an accident. Idaho law requires insurance companies to offer drivers optional uninsured\/underinsured motorist coverage (UI\/UIM). Drivers can opt out of this coverage if they wish.<\/p>\r\n<h3><b>\u201cAt-Fault\u201d Liability<\/b><\/h3>\r\n<p>Idaho is an \u201cat-fault\u201d state for accident liability. In an at-fault state, the driver who is responsible for the accident pays for the other driver\u2019s medical bills and vehicle damage. After an accident, drivers submit their claims to the other drivers insurance company. Once the insurer determines fault, the driver most at fault pays for the damages.<\/p>\r\n<p>Adjusters may interview witnesses and gather evidence to support their client\u2019s claim. Companies may request additional information from accident victims before settling a claim.<\/p>\r\n<h3><b>Modified Comparative Fault<\/b><\/h3>\r\n<p>Idaho follows a <a href=\"https:\/\/codes.findlaw.com\/id\/title-6-actions-in-particular-cases\/id-st-sect-6-802\/\" target=\"_blank\" rel=\"noopener\">modified comparative fault<\/a> rule in car accident cases. Under this system, a victim partially responsible for the accident can still recover damages in their case, up to a certain percentage of fault. If the victim is 50% or more at fault, they cannot recover. If they are less than 50% at fault, their recovery is reduced by their percentage of fault.<\/p>\r\n<p><a href=\"https:\/\/www.findlaw.com\/state\/idaho-law\/idaho-negligence-laws.html\">Modified comparative negligence<\/a> can limit or bar recovery. Drivers should know their insurance policy limits and contact an attorney immediately after any serious accident to maximize their chances of recovering damages.<\/p>\r\n<h2><b>Damages<\/b><\/h2>\r\n<p><a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/insurance-claims-after-an-accident-the-basics.html\">After a vehicle accident<\/a>, the insurance companies determine fault and make settlement offers. If the settlement is unfair, or if the other driver\u2019s insurance will not cover all the damages, claimants can sue for <b>economic<\/b> and <b>non-economic<\/b> damages.<\/p>\r\n<p><b>Economic<\/b> damages are things that courts can calculate from bills and invoices. They include:<\/p>\r\n<ul>\r\n<li>Costs of medical treatment<\/li>\r\n<li>Doctor\u2019s bills<\/li>\r\n<li>Lost wages and income<\/li>\r\n<li>Cost of future treatment or loss of income<\/li>\r\n<\/ul>\r\n<p><b>Non-economic<\/b> damages are less tangible injuries resulting from the collision. They can include:<\/p>\r\n<ul>\r\n<li>Pain and suffering<\/li>\r\n<li>Emotional trauma<\/li>\r\n<li>Loss of enjoyment of life<\/li>\r\n<li>Loss of consortium<\/li>\r\n<\/ul>\r\n<p>Personal injury claims do not include property damage. Property damage lawsuits are separate from injury suits. If you need a rental car while yours is being repaired, those costs are not part of the personal injury claim.<\/p>\r\n<p>Idaho limits, or \u201ccaps\u201d the <a href=\"https:\/\/codes.findlaw.com\/id\/title-6-actions-in-particular-cases\/id-st-sect-6-1603\/\" title=\"award for non-economic damages\" target=\"_blank\" rel=\"noopener\">award for non-economic damages<\/a> . The cap is adjusted for inflation annually. As of July 2024, the cap was $490,512.33.<\/p>\r\n<h2><b>Statute of Limitations<\/b><\/h2>\r\n<p>A <a href=\"https:\/\/www.findlaw.com\/litigation\/filing-a-lawsuit\/is-there-a-time-limit-to-file-a-lawsuit-what-are-statutes-of.html\">statute of limitations<\/a> is the time a claimant has to file a lawsuit after the accident or injury. Idaho has two separate statutes for lawsuits stemming from motor vehicle accidents:<\/p>\r\n<ul>\r\n<li><b>Two years<\/b> for personal injury lawsuits (<a href=\"https:\/\/codes.findlaw.com\/id\/title-5-proceedings-in-civil-actions-in-courts-of-record\/id-st-sect-5-219\/\" target=\"_blank\" rel=\"noopener\">Idaho Code \u00a7 5-219<\/a>)<\/li>\r\n<li><b>Three years<\/b> for property damage lawsuits (<a href=\"https:\/\/codes.findlaw.com\/id\/title-5-proceedings-in-civil-actions-in-courts-of-record\/id-st-sect-5-218.html\" target=\"_blank\" rel=\"noopener\">Idaho Code \u00a7 5-218<\/a>)<\/li>\r\n<\/ul>\r\n<p>The statute begins (or \u201cruns\u201d) from the date of the accident or injury. Even if you have an insurance claim pending or on appeal after a denial, the statute continues to run. In some instances, you may need to file a <b>notice of intent<\/b> after the accident. Accident victims should consider <a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/idaho\/?fli=dcta\" title=\"contact an attorney\" target=\"_blank\" rel=\"noopener\">contacting an attorney<\/a> after a car crash, whether or they intend to sue.<\/p>\r\n<p><i><b>Note<\/b>:&nbsp;State laws are subject to change through the passage of new legislation, court rulings (including federal decisions), ballot initiatives, and other means. FindLaw strives to provide the most current information available. You should <\/i><a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/idaho\/?fli=dcta\" title=\"consult an attorney\" target=\"_blank\" rel=\"noopener\"><i>consult an attorney<\/i><\/a><i> or conduct your own legal research to verify Idaho law(s) before making any legal decisions.<\/i><\/p>\r\n<h2><b>Get Legal Advice From an Idaho Car Accident Lawyer<\/b><\/h2>\r\n<p>The time limits on personal injury claims and auto insurance requirements can limit your recovery after an accident. If you\u2019ve had a serious accident and need to know your legal rights, contact an experienced&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/idaho\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">Idaho car accident attorney<\/a>. They can review your case, explain your options, and represent you in negotiations and court proceedings.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n             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12V0.999995H4.72003C4.2377 0.994543 3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n    <\/div>\n    <span class=\"was-this-helpful__taken-action fl-text-sm-bold\"><\/span>\n    <div class=\"was-this-helpful__feedback-container\">\n        <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n 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was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--understandable\"\n                        >Easy to understand<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--solved-problem\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Solved my problem\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    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class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div 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     class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        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<div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    A lawyer can help seek fair compensation on your behalf\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Car accident claims are complex and insurance carriers have lawyers on their side\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Get tailored legal advice and ask a lawyer questions about your accident. Many attorneys offer free consultations.<\/p>\n\n            <\/div>\n                            <div class=\"fl-editors-summary-content-link fl-flex\" data-testid=\"fl-editors-summary-content-link\">\n                <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                <p class=\"find-attorney\"><a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/#USER_GEO\/?fli=esum\" title=\"Car Accident Attorney Directory\" target=\"_blank\" rel=\"noopener\">If you need an attorney, find one right now.<\/a><\/p>\n\n            <\/div>\n            <\/div>\n<\/div>\n\n\n<div class=\"email-subscription fl-mb30\">\n    <div class=\"email-subscription-header\">\n        <div class=\"email-subscription-header-content\">\n            <h3 class=\"fl-callout-sm fl-no-margin\">Stay Up-to-Date With How the Law Affects Your Life<\/h3>\n        <\/div>\n        <div class=\"email-subscription-header-image fl-flex fl-items-end\">\n            <img 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