Tuesday 6 December 2016

Idaho Car Insurance

Idaho Car Insurance Minimum Requirement

Carrying liability insurance is enough to satisfy the Idaho car insurance requirement.  The coverage amount for bodily injury should not be lower than $25,000 per injured person or $50,000 for the accident.  The amount of coverage for property damages should not be lower than $15,000.  The basic coverage amount is simply referred to as the 25/50/15 coverage.

Idaho Follows the Tort System

Idaho enforces the tort system when it comes to vehicular accidents.  Under a tort system, there must be someone responsible for causing the vehicular accident.  The person or motorist at fault including his or her insurance provider must pay for all the costs related to the accident.

The Driving Under Influence of Liquor (DUI) Laws and Penalties in ID

The state of Idaho enforces the implied consent rule to all drivers travelling within the state.  Refusal to subject to alcohol testing will result in the suspension of the driver’s license for a period of one year.  However, the offender can still be allowed to drive during this period using a restricted license.  This option can only be availed if the offender will allow the installation of an ignition interlock device in the vehicle he or she is driving.

Idaho state laws considers a driver drunk when his or her blood alcohol concentration (BAC) level is .08 or above at the time when he or she is driving.  The state has much tougher drunk driving laws for persons driving a commercial vehicle and young drivers who have not yet reached the age of 21.

Penalties for First Time DUI Offenders

If convicted, a first time DUI offender can face possible jail time of up to 6 months.
First time conviction will result in the payment of fine not exceeding $1,000.
The offender also faces a driving license of a period anywhere from 90 to 180 days.
After 30 days of suspension, the offender can be allowed to drive with a restricted license as long he or she complies with certain legal conditions.
First time offenders may also be ordered by the courts to undergo medical evaluation and treatment for possible alcohol abuse.
First time DUI conviction in the state of Idaho is generally considered as a misdemeanor in which the amount of time spent in jail should not exceed 6 months or 180 days.  The court may allow the first time offender to obtain a restricted driving license only his or her driving license has been suspended for at least 30 days.  The offender may cite reasonable grounds to continue driving like it is needed for his or her employment or the need to tend family health issues.Penalties for Second Time DUI Offenders

A second DUI conviction will result in jail time for at least 10 days up to a year.
The fine for a second time DUI offenders can be increase to $2,000.
The offender’s driver’s license will be suspended for a period not less than one year.
After the one year driving suspension, the offender must have an ignition interlock device installed in his or her vehicle before being allowed to drive again.
A second DUI conviction may require that the offender render work detail with Sheriff of the county.
The offender may also be required to submit for alcohol medical evaluation and treatment.
Upon apprehension, the police authorities can confiscate the driver’s license of the DUI offender.  For the mean time, the offender can be given a temporary driving permit.  The driver is given a period of seven days to contest the DUI charges with Idaho Transportation Department.  If the driver is unable to prove his or her innocence over the DUI charge, the hearing officer will recommend suspension of the driving license for the minimum period of one year.  During the suspension period, the offender will not be allowed to drive.

Harsher Penalties for Second DUI Conviction

In addition to a higher fine, second time DUI offenders will automatically served a minimum of 10 days in prison and can last up to a year.  However, the court may allow the offender to serve his or her jail term in a work detail program instead.  A second DUI conviction within five years can result in receiving stiffer penalties and fines.

Expiration Period of a DUI Conviction

The state of Idaho allows a look back period of at least five years with regards to DUI convictions.  For example, a person was convicted with a second DUI charge that happened more than five years ago, that will no longer be considered as a second DUI offense.  Instead, it will only be considered as a first DUI offense.

State’s treatment of a Second DUI Charge

Like most states, Idaho treats second DUI convictions as misdemeanors.  However if the drunk driver caused an accident which cause serious bodily injuries and even to death to innocent parties, the DUI charge may be elevated as a felony.

A Second Time DUI Offender’s Plea Option

The offender can either a plea of guilty in which a conviction will quickly follow or not guilty which will result in a trial.

State Car Insurance Rate and the National Average

The average car insurance premium rate is around $1,055 which is considerably cheaper to the national average of around $1,440.  The average car insurance premium rates in Idaho’s major are bit higher than the state average.

Idaho’s Top Ten Stolen Cars

The cars and pickups listed below are the ten most stolen vehicles in the state of Idaho.  Owners and drivers of these particular vehicles should exercise reasonable caution and may need to install appropriate security gadgets in their cars as a means of protection from theft. Additionally you are likely to pay more for your comprehensive insurance coverage if you own one of the following:

Dodge Ram 2004 Model
Full size Chevrolet Pickup 1990 Model
Honda Civic 1992 Model
Honda Accord 1994 Model
Ford F 150 Pickup 2002 Model
Ford Taurus 1996 Model
Ford Ranger 1992 Model
Ford Explorer 1996 Model
Ford F 350 Pickup 2001 Model
Dodge Neon 1998 Model
As you can see 5 of 10 vehicles on the list are Fords, thieves tend to like to steal them in ID, since they are widely spread and it is easier to sell them for parts.

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