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Uninsured Motorist Coverage — Idaho

Uninsured and underinsured motorist coverage pays for your injuries and vehicle damage when the at-fault driver has no insurance or insufficient coverage to pay your claim.

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What Is Uninsured and Underinsured Motorist Coverage Insurance?

Uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) protect you when another driver causes a crash but can't pay for the damage. UM pays when the at-fault driver has no insurance at all. UIM pays when their liability limits are too low to cover your medical bills, lost wages, and vehicle repair costs. Both coverages step in only after the at-fault driver's liability insurance is exhausted or confirmed absent.

Your car is sideswiped in a parking lot in Coeur d'Alene. The other driver leaves the scene. You file a police report but the driver is never identified. Your uninsured motorist coverage treats this as an uninsured driver claim and pays for your injuries and, if your policy includes it, your vehicle damage up to your UM limits.

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Who Needs Uninsured and Underinsured Motorist Coverage Insurance?

You should carry uninsured and underinsured motorist coverage if you live in an area with a high percentage of uninsured drivers, if you have significant medical expenses or income you'd lose during recovery, or if you can't afford to pay out-of-pocket for injuries caused by someone else.

Compare your health insurance deductible and out-of-pocket maximum to your potential injury costs in a serious crash.

How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?

Your UM/UIM coverage limits — higher limits cost more, but protect you against drivers with severe injury claims.
Your county's uninsured driver rate — counties with higher percentages of uninsured drivers see slightly higher UM premiums.
Stacking options if you insure multiple vehicles — stacked UM coverage combines limits across all vehicles on your policy, increasing both protection and cost.
Your liability limits — carriers often tie UM/UIM limits to your liability coverage, so raising one affects pricing for both.

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