Uninsured Motorist Claim Idaho FAQ

BAM Injury Law handles uninsured motorist claims for accident victims throughout Idaho. Attorney Kigan Martineau is licensed in Idaho and Utah and handles UM claims in Ada County, Canyon County, and statewide. Call (208) 923-1106 for a free consultation.

What should I do if I am hit by an uninsured driver in Idaho?

If the driver who hit you has no insurance, your primary recovery source is your own uninsured motorist (UM) coverage. Idaho law does not require drivers to carry uninsured motorist coverage, but most standard auto policies include it. Check your declarations page or call your insurance agent to confirm whether you have UM coverage and what your limits are.

Filing a UM claim means filing against your own insurer, but you should not assume your insurer is on your side. Insurance companies -- even your own -- have an interest in minimizing what they pay out. Kigan Martineau handles UM negotiations and litigation and fights to get the full value of your policy limits when the at-fault driver has no insurance.

If the at-fault driver had some insurance but not enough to cover your damages, underinsured motorist (UIM) coverage may also apply. UIM coverage stacks on top of the at-fault driver's policy up to your own policy limits.

Idaho's statute of limitations for uninsured motorist claims is two years under Idaho Code Section 5-219. Some UM policies have shorter contractual notice requirements. Call BAM Injury Law promptly after any crash with an uninsured driver.

Contact an Idaho Uninsured Motorist Claim Lawyer

Call BAM Injury Law at (208) 923-1106 or visit 3597 E Monarch Sky Ln, Meridian, ID 83646. No fee unless we win.