Idaho DOI lists 25/50/15 liability and UM/UIM bodily injury unless rejected in writing. Its UIM explanation distinguishes excess from offset coverage.
Key takeaways
- Read the Idaho liability summary
- Keep the disclosure and rejection form
- Excess and offset are not interchangeable
On this page
Coverage requirements at a glance
| Coverage | Amount or rule | Scope and exceptions |
|---|---|---|
| State-specific coverage rule: Keep the disclosure and rejection form | The regulator says insurers must provide UM and UIM bodily injury coverage unless a named insured rejects them in writing, and must supply a disclosure. Obtain the actual completed form; do not infer a rejection from a missing quote line. | Personal-use registered vehicles; carrier UIM definitions differ. Effective enactment date not established. Existing official material inspected 2026-10-12. Original commencement date is not established by this metadata; the source’s scope and exceptions remain applicable. Official source 1 for State-specific coverage rule: Keep the disclosure and rejection form |
Idaho DOI lists 25/50/15 liability and UM/UIM bodily injury unless rejected in writing. Its UIM explanation distinguishes excess from offset coverage.
Read the Idaho liability summary
DOI lists $25,000 bodily injury per person, $50,000 per accident and $15,000 property damage for personal-use vehicles registered in Idaho. These numbers are not a recommendation for every household.
Keep the disclosure and rejection form
The regulator says insurers must provide UM and UIM bodily injury coverage unless a named insured rejects them in writing, and must supply a disclosure. Obtain the actual completed form; do not infer a rejection from a missing quote line.
Excess and offset are not interchangeable
DOI distinguishes excess UIM, which adds protection above the responsible driver’s insurance, from difference-in-limits or offset coverage, which reduces available UIM by amounts recovered. The actual policy governs definitions and eligibility.
Before choosing a policy
Check the driver and vehicle details, term, liability units and injury elections. Ask separately about damage to your car and the effect of financing. DOI’s Consumer Affairs contact is on the source page; bring a precise question and the applicable provision.
Put numbers beside the excess and offset distinction
Hypothetical comparison, with coverage assumed: An injured person has $120,000 of accepted damages, recovers $25,000 from the responsible driver and carries a $100,000 per-person UIM limit. Ignore other restrictions for this illustration.
| Assumed policy structure | Illustrative available UIM amount | Combined illustrated recovery |
|---|---|---|
| Excess structure | Remaining damages of $95,000 fit the $100,000 UIM limit | $25,000 + $95,000 = $120,000 |
| Offset structure reducing $100,000 by the $25,000 recovery | $75,000 | $25,000 + $75,000 = $100,000 |
The example is not a coverage interpretation for your contract. It shows why two $100,000 labels do not prove identical benefits. Ask the insurer to identify the definition, offsets, qualifying damages and any required claim procedure in the actual form.
Reconcile the election with the issued declarations
The DOI disclosure and rejection rule makes a useful three-document check possible: the offer/disclosure, any completed rejection and the issued coverage schedule. If they disagree, ask which record the insurer relied on. Do not assume that an omitted line means the named insured knowingly rejected coverage.
Keep UM and UIM distinct during that check. An uninsured-driver injury question is different from a claim involving a driver whose insurance is inadequate. Damage to the insured car also requires its own provision; an injury limit is not automatically a repair limit.
Compare limits without confusing the categories
Hypothetical liability example: $18,000 of accepted covered damage to another car exceeds a $15,000 property limit by $3,000. Unused $25,000/$50,000 bodily injury capacity does not increase the property limit. Keep a higher-property-limit proposal separate so you can compare its actual cost.
For your own car, compare collision and comprehensive deductibles against a covered repair assumption. A $3,000 repair with a $500 deductible leaves $2,500 before other adjustments; this is separate from UIM recovery math. Use the deductible calculator for supplied vehicle-damage scenarios, not to interpret offsets or rejection validity.
For a Consumer Affairs inquiry, include the actual form, coverage schedule and the insurer’s written explanation. A precise question about a defined offset or missing election record is more useful than an unexplained request to confirm that you have “full coverage.”
Source and review scope
Read the Idaho Department of Insurance source. Material inspected October 12, 2026; this is machine-supported research, not human approval. The actual policy, applicable law and exceptions require review. Use the coverage needs checklist to prepare questions; it does not choose coverage or establish legal compliance.
Sources & references
Use these references to verify the information in this guide.
Policy terms and state requirements can change. Verify details with official sources and a licensed professional. Read our editorial standards.