Like any other state, Idaho requires every car owner to carry a minimum amount of car insurance or be in a position to demonstrate financial responsibility for any damages resulting from accidents they are liable for. However, many people drive on American roads without proper car insurance.
Getting into a car accident without valid insurance comes with various consequences. You may have no way to cover medical expenses and property damages. You also have limited rights to recover your losses against the at-fault driver if someone else was responsible for the accident.
Additionally, you may lose driving privileges and receive civil or criminal penalties. If you have no insurance, your priority should be contacting Idaho Car Accident Lawyers if you get into a car accident, regardless of whose fault it was.
Car Accidents With No Insurance and No-Fault
If you sustained injuries suffered property damage through an accident that was not your fault, you can file a third-party insurance claim with the auto insurance company of the at-fault driver. However, the laws may limit your ability to file charges against the at-fault driver to recover any damages if you have no insurance.
However, Idaho works with fault-based insurance laws, so you file a claim with the insurance company of the at-fault party when facing a car accident, no insurance, not my fault claim. To improve your chances of recovering compensation, you should:
- Contact the police and get them to the scene of the accident to draft a police report
- Get contact details from the at-fault party
- Get witness contact details
Your ability to recover compensation for the damages depends on your evidence and how you present it.
If You Are at Fault and Uninsured
In most cases, the severity of the consequences you face for causing a car accident without proper car insurance depends on the severity of the crush. If the accident results in injuries and property damage, you will have to report it to the department of motor vehicles and local police. If the other driver has sufficient insurance, they can file a claim with their own insurance company. Still, the insurance provider may file a lawsuit against you to recover any money paid to their client.
If they only have liability insurance with no additional coverage, the other driver can file a lawsuit against you, so you will have to pay for any damages. You may also suffer further consequences such as suspension of your driver’s license or vehicles registration whether or not you were at fault for the accident. A car accident lawyer can help you understand the laws and your position if you get into a car accident.
In summary, the laws require every driver to carry a minimum amount of car insurance. If you get into an accident that is not your fault without the proper insurance, you can file a claim with the insurance company of the at-fault driver. If you are uninsured and cause a car accident, the driver may file a lawsuit against you or file a claim with the insurance company, depending on the policy they have.