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In Idaho, vehicle insurance is required before an automobile can be duly registered in the state. Thus, if you own a car, a vehicle insurance must be your top priority.

Idaho laws require vehicle owners minimum insurance coverage. In Idaho Code 49-117, it states that you must have proof of financial responsibility when owning a car - meaning you should have the ability to respond financially should there be accidents and injuries involving your vehicle. A liability insurance coverage of twenty-five thousand dollars is required for an accident that cause bodily injuries or death of one person. When two or more persons are involved, a liability coverage of fifty thousand is required. In addition, a coverage of fifteen thousand dollars is required to compensate for injury or destruction of property caused by the accident.

The state of Idaho follows what is called the Tort system. This means that one party should be at fault to have caused the accident. The party who is at fault and their insurance company will be held responsible for all damages and financial costs related to the accident. In addition to liability coverage, you an opt for a medical coverage in your car insurance. The coverage will provide for reimbursement for medical and funeral expenses which may be incurred due to bodily injury or even death, whether or not the policy holder is at fault. This also covers you, as the policy holder, and the members in your household should you encounter similar accidents.

You can also get the Uninsured / Underinsured Motorist coverage wherein you will be protected in case you get involved in an accident where the party at fault is uninsured or underinsured. Your insurance company will cover for everything that is not covered by the other party's insurance. There is actually no state requirement for this, along with medical payment provisions. However, the price for this coverage is relatively minimal, and will ensure you better protection, making it well worth the additional expense.

Moreover, consider that the minimum liability coverage imposed by the Idaho state is usually not enough to protect you completely from financial costs. It is still best to get a better coverage. You can talk with a local insurance agent to assess your needs. Better yet, you should also consider a comprehensive coverage which does not only insure you from accidents, but also from incidents such as theft, vandalism and natural disasters. Be sure to know and understand the policy provisions before signing a deal with an agent or company.