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The Truth About Minimum Coverage Requirements in Idaho
Minimum liability coverage often fails to protect drivers from rising medical and repair costs, uninsured motorists, and lawsuits that can exceed state limits, experts say.
- CheapInsurance.com explains that nearly every U.S. state requires drivers to carry at least a legal minimum of auto liability insurance, citing Texas as an example with minimums of $30,000 per person, $60,000 per accident BI, and $25,000 PD.
- The three-number format indicates per person, per accident and property-damage caps, with minimum liability split into Bodily Injury and Property Damage Liability, covering others' costs as the National Association of Insurance Commissioners and state Departments of Insurance explain.
- Insurance experts advise considering higher limits as rising repair and medical costs mean statutory minimums may not cover serious injuries or multi-vehicle crashes for vehicle owners with assets and lenders.
- Many minimum policies lack meaningful uninsured/underinsured motorist coverage, leaving drivers and accident victims vulnerable, while crossing state lines can force policy adjustments to meet registered state requirements.
- CheapInsurance.com recommends consumers evaluate assets and ask a licensed insurance agent about modest costs to raise limits, while confirming state rules with the State Department of Insurance.
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36 Articles
36 Articles
Coverage Details
Total News Sources36
Leaning Left6Leaning Right3Center10Last UpdatedBias Distribution53% Center
Bias Distribution
- 53% of the sources are Center
53% Center
L 31%
C 53%
R 16%
Factuality
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