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Idaho Basics Include Boise Car Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 06/25/2014

Boise car insurance is one driving basic not to forget.

Boise car insurance

Simple, just like your Boise car insurance requirements.

Idaho is known for its simple lifestyle, low population, and basic way of life. Driving is very basic as to get from one place to the other as most long distance travel is done on a simple highway. From one state line to the other there are few off-ramps to navigate, and even fewer freeways in the state.

The most complicated driving is in the Boise area, and even that isn’t much of a challenge compared to the major cities in other states.

In the spirit of Idaho simplicity, let’s keep it simple today and stick with the basics.

Driving Basics

Just in case you were wondering if the obvious basics are on the Boise law books, they are:

“Section 10-10-07 Passing Vehicles Proceeding in Opposite Direction

Drivers of vehicles proceeding in the opposite directions shall ass each other on the right. Upon roadways having the width for not more than one lane of traffic in each direction, each driver shall give at least one-half (1/2) of the main-traveled portion of the roadway as nearly as possible.” (http://cityclerk.cityofboise.org)

Comprehensive Coverage Basics

Idaho is pretty full of wildlife, and even drivers around Boise are aware that sometimes they have to share the road with critters of all sizes. If you end up hitting one of these guys, the basic rule is that it is covered under your comprehensive coverage on your Boise car insurance policy. If you are only carrying the basic Boise car insurance coverage that is required by the State of Idaho, you are going to be paying for the damage out of your pocket.

Also, don’t forget about this little law:

“25-2118. Animals on open range — No duty to keep from highway. No person owning, or controlling the possession of, any domestic animal running on open range, shall have the duty to keep such animal off any highway on such range, and shall not be liable for damage to any vehicle or for injury to any person riding therein, caused by a collision between the vehicle and the animal. “Open range” means all uninclosed lands outside of cities, villages and herd districts, upon which cattle by custom, license, lease, or permit, are grazed or permitted to roam.” (State of Idaho Legislature – Idaho Statutes)

Same coverage rules apply to hitting an animal that is protected under the Open Range law. In some cases, you may even be responsible for reimbursing the owner the value of the animal you hit if it dies.

Boise Car Insurance Basics

Just like with every other state, Idaho requires that you carry car insurance to drive. To meet the legal requirements you must carry the combination of 25/50/15 in liability coverages on your Boise car insurance.

For more information, contact your Boise car insurance agent.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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