Delaney Simchuk, Car Insurance Writer
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The recommended amount of bodily injury liability coverage in Idaho is at least $25,000 per person and $50,000 per accident, since these amounts will satisfy Idaho's minimum coverage requirements. Ideally, your liability insurance limits should equal your net worth, to protect your assets and prevent lawsuits.
Key Things to Know About Bodily Injury Liability Coverage (BI)
- Covers others' injuries. Bodily injury liability insurance pays for others' medical expenses after a car accident that you were at fault for. It's important to note that your own bodily injury liability insurance does not cover your own injuries or medical expenses. However, if another driver is at-fault, you can file a bodily injury liability claim with their insurer to get compensation for your expenses.
- Your limits should cover your net worth. If your bodily injury liability insurance limits are not high enough to cover the total cost of repairs after an accident, you can face lawsuits. Limits that are at least as high as your net worth protect your assets and help ensure that you will be able to pay for medical expenses for others if you cause an accident.
- You need at least state-minimum coverage. If you are caught driving without the proper insurance coverage, you may face fines and driver's license suspension or revocation.
- Supplemental coverage is available. If the standard BI limits offered by insurance companies are not high enough to cover your net worth, you can look into an umbrella insurance policy, which offers coverage limits starting at $1 million.
To learn more, check out WalletHub's guide to bodily injury liability insurance. If you're interested in car insurance to cover your own bodily injuries, check out our guides to personal injury protection (PIP) and MedPay.
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