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When a crash happens, most drivers assume the other person’s insurance will cover the damage. But that assumption can be risky. In 2023, approximately 6.4% of drivers in Idaho were uninsured, according to the Insurance Information Institute. Many more carry only the minimum limits, leaving victims undercompensated after serious collisions.

At a Glance:

About 6.4% of Idaho drivers were uninsured in 2023.

UM/UIM coverage protects when the at-fault driver lacks insurance.

Idaho requires insurers to offer UM/UIM, but drivers may reject it.

Attorney fees can be recovered when suing for UM/UIM benefits.

Uninsured and underinsured motorist coverage (UM/UIM) provides a vital financial safety net. It protects you when the at-fault driver has little or no insurance.

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