Why Idaho Riders Need More Than the Required Minimum Coverage Before Hitting the Open Road 

The financial exposure that comes with a motorcycle accident can be devastating. If you ride in Idaho, understanding the gap between what motorcycle insurance the law requires and what coverage you may need is a key step toward financially protecting yourself on the road.

The Idaho Minimum: A Starting Point, Not a Safety Net

Idaho requires motorcycle riders to carry minimum amounts of liability coverage for third-party bodily injuries and property damage. The costs of your own medical bills, your damaged bike and your gear may fall on you unless you have additional coverage in place. Additionally, even if you have liability insurance, serious accidents may incur losses beyond the limits of a policy with only minimum coverage.

Important Coverage Beyond Minimums

Riders may face various risks that minimum coverage may not adequately address. We recommend that our clients carry the following:

• Uninsured/underinsured motorist coverage can cover your losses if you’re hit by an at-fault motorist with insufficient liability coverage.
• Medical payments coverage can help pay for your and your passenger’s medical expenses after an accident, regardless of fault.
• Comprehensive coverage can cover damage caused by fires, natural disasters, theft or vandalism.
• Collision coverage can help pay for repairs if your bike is damaged in an accident, regardless of fault.
• Roadside assistance coverage can pay for towing costs if your bike breaks down on the road.
• Gear and apparel coverage can cover the cost of replacing your helmet, boots and gloves if damaged or stolen.

Ride With the Right Coverage in Place

Before you head out on your bike, take a few minutes to review what your policy covers and excludes. Contact Prescott & Craig, Inc. to talk through your options and request a quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.