Is Idaho a no-fault state?

No. Idaho is an at-fault (“tort”) state — the driver who caused the crash, through their insurer, is responsible for the injury damages. You generally pursue the at-fault driver's insurer rather than your own.

What is Idaho's fault rule for a car accident?

Idaho follows modified comparative — 51% bar. You can recover only if you were 50% or less at fault; your award is reduced by your share.

How long do I have to file an injury claim in Idaho?

In Idaho the statute of limitations for a personal-injury claim is generally 2 years from the date of the accident. Miss it and the claim is usually barred for good — separate from any deadlines your insurer sets.

Idaho · Injury claims

Car accident injury claims in Idaho

In Idaho, an injury claim runs through the at-fault driver's insurer — and how much you can recover turns on the state's fault rule, coverage minimums, and a filing deadline that's easy to miss. Here's what shapes an injury claim in Idaho.

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Idaho at a glance

Fault rule: Modified comparative — 51% bar
No-fault state?: No
Minimum liability coverage: 25/50/15 ($25K BI per person / $50K BI per accident / $15K PD per accident) under Idaho Code § 49-117 / § 49-1212; $15K PD floor sits ABOVE the $10K low-PD cluster — Idaho is NOT a low-PD cluster member. UM mandatory; UIM mandatory offer under § 41-2502.
Time limit for an injury claim: 2 years

How fault works in Idaho

Idaho Code § 6-801 applies a modified comparative 51% bar under the "not as great as" formulation: a plaintiff at exactly 50% recovers 50% of damages; a plaintiff at 51% or greater recovers $0. ID joins the 51%-bar cluster as the 17th state. § 6-801 also addresses apportionment; contribution governed by § 6-803.

Paying for injuries in Idaho

Idaho is a pure at-fault state with NO statutory first-party PIP. First-party medical coverage is via optional MedPay (carrier-offered, not mandated), via the claimant's UM/UIM if the at-fault driver is uninsured/underinsured, or via the claimant's health insurer (subject to subrogation/lien). No tort threshold — noneconomic damages recoverable from accident #1 subject to § 6-801 comparative-fault reduction.

How Moe handles injury claims in Idaho

Knowing the rule is one thing — applying it against a carrier is another. Moe builds your case to Idaho’s rules, drafts every letter for your approval, tracks the deadlines, and only pings you when there’s a decision to make.

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Idaho injury claims — common questions

Is Idaho a no-fault state?: No. Idaho is an at-fault (“tort”) state — the driver who caused the crash, through their insurer, is responsible for the injury damages. You generally pursue the at-fault driver's insurer rather than your own.
What is Idaho's fault rule for a car accident?: Idaho follows modified comparative — 51% bar. You can recover only if you were 50% or less at fault; your award is reduced by your share.
How long do I have to file an injury claim in Idaho?: In Idaho the statute of limitations for a personal-injury claim is generally 2 years from the date of the accident. Miss it and the claim is usually barred for good — separate from any deadlines your insurer sets.

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All Idaho accident-claim rules · Other states

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This page summarizes Idaho’s car-accident claim rules for general information — it is not legal advice, and the rules can change. What applies to your claim depends on your policy and the specific facts.