After a road collision, the two drivers usually stop on the side of the road, discuss what happened and exchange information. But what happens when a driver fails to stop and flees? Hit-and-run crashes are more common than you might think, which is one reason most states, including Idaho, require drivers to purchase a minimum amount of auto insurance.
hit and run in Idaho
In Idaho, a hit-and-run accident is defined as a collision where the driver at fault does not stop. Although the state does not release data on the number of hit and run incidents that occur on Idaho’s roads, hit and run crashes are on the rise in the United States. The AAA Foundation reports that in 2015, there were 737,100 hit and run crashes across the country, killing 2,049 people.
One important thing to consider is that over 13% of Idaho drivers drive without auto insurance, although minimal coverage is legally required. With a decent number of uninsured drivers, hit and run might be more likely because drivers know they can be subject to penalties if they get caught driving without car insurance.
Idaho hit-and-run laws
Idaho’s hit-and-run laws state that a driver who causes a hit-and-run accident is fully responsible for the other driver’s losses, such as medical bills and vehicle repairs. After any type of accident, whether there is material damage or injury, the driver at fault is required to stop, rescue if necessary, provide personal and insurance information and remain on the scene. until its legal obligations have been fulfilled.
Drivers in Idaho who cause a hit and run that only results in property damage will typically be punished with a misdemeanor and can lose their driving privileges for up to a year. If a driver flees the scene of an accident where there are injuries or deaths, he could be charged with a felony, fined $ 5,000 or spent a maximum of five years in jail, or both. They will also likely have their license suspended for a year.
The impact of hit and run on auto insurance rates in Idaho
Filing a hit and run claim in Idaho will usually result in an increase in your auto insurance premium. If your license is suspended, you may also need to purchase SR-22 insurance. Your insurance company may refuse to renew your policy, forcing you to purchase more expensive insurance from a non-standard provider.
However, the average increase in auto insurance rates after a hit and run in Idaho is significantly lower than the national average increase in rates in the United States. Idaho drivers will see their fare increase by an average of $ 900 per year if they file a hit-and-run claim, while the typical American driver will see their fare increase by almost $ 1,700 per year. Idaho drivers also see lower rate increases after a standard crash than the average American driver.
Average annual premiums for full coverage:
|Before a hit and run||After a hit and run||After an ordinary accident|
|idaho average||$ 1,045||$ 1,946||$ 1,472|
|national average||$ 1,674||$ 3,367||$ 2,311|
3 things to do after hit and run in Idaho
If you are struck by a driver who will not stop, the first thing to do is pull over safely to the side of the road and make sure that no one is injured, including you, your passengers and your passengers. anyone else involved. If anyone needs medical attention, call 911 immediately. If everyone is safe, stay on the scene and follow these steps:
- Call the police: Hit-and-run is a felony, so the police should be notified immediately. When an agent arrives on the scene, he files a report and asks you to remember all the possible information about the vehicle that struck you. The information you provide will help them investigate the incident.
- Document any damage: If your vehicle is damaged, take photos (if it is safe to do so) to share with your insurance company. In the event that your car is totaled, be sure to ask where the vehicle will be taken. If you or someone in your car has been injured, keep a record of medical expenses as well.
- Inform your insurance company: The last step is to contact your insurance company and let them know what happened, if you want to file a claim on your own policy. An agent can walk you through the claims process and help you understand what your policy will cover. To speed up the process, have important documents, such as the police report and photos of the damage, ready for use.
Will the insurance cover a hit and run?
Being involved in a hit and run can be stressful, but luckily your auto insurance policy can help cover the damage, even if the responsible driver is never found.
When you purchase a minimum coverage auto insurance policy in Idaho, it automatically includes coverage for uninsured and underinsured motorists, unless you reject those coverage options in a written statement. If you don’t rule out these two types of coverage, they could help cover your medical bills and damage to your vehicle after a hit-and-run. Idaho is one of the few states that offers property damage coverage to uninsured motorists.
If you have a comprehensive coverage policy, a few other types of coverage may come into play. Collision coverage is designed to pay for repairs to your vehicle after a collision, regardless of fault, although a deductible usually applies. . Medical expense coverage, which is optional in Idaho, may reimburse you for medical treatment or rehabilitation costs resulting from injuries sustained in a hit-and-run, up to your policy limit.
Frequently Asked Questions
What is the best auto insurance company?
The best auto insurance company is different for every driver. It depends on factors like where you live, what kind of coverage you need, what you value about an insurance company, and your budget. Shopping around and comparing quotes could help you find the best carrier for your needs.
How much does auto insurance cost in Idaho?
The average cost of auto insurance in Idaho is $ 1,045 per year for a full coverage policy and $ 307 per year for a minimum coverage policy. Based on our research, Idaho is one of the cheapest states for auto insurance. Keep in mind that auto insurance rates are personalized, so you may pay a higher or lower rate depending on factors such as your age, credit score, and driving record.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record , good credit and the following comprehensive coverage limits:
- $ 100,000 of civil liability for bodily injury per person
- $ 300,000 liability for bodily injury per accident
- Civil liability for property damage of $ 50,000 per accident
- $ 100,000 in bodily injury caused by an uninsured motorist per person
- $ 300,000 in uninsured bodily injury per accident to a motorist
- $ 500 collision deductible
- Global deductible of $ 500
To determine the minimum coverage limits, Bankrate used a minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.
These are sample rates and should only be used for comparison purposes.
Incident: The rates were calculated by evaluating our basic profile with the following incidents applied: clean criminal record (basic), responsible accident, single speeding ticket, single conviction for driving while intoxicated and forfeiture of coverage.