What is a car accident claim worth in Idaho?
Every rule below is quoted from Idaho law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Idaho, and the Idaho rules that raise or lower what you collect. $18,192 was the average injury claim paid in Idaho in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from Idaho law on this site, each with a link.
What claims paid in Idaho
Injury claims in Idaho averaged $18,192 each in 2022.
Car and property damage claims averaged $6,064.
| Injury claim paid by the at fault driver's insurance | $18,192 |
|---|---|
| Car and property damage | $6,064 |
| Medical payments coverage, paid by your own policy | $3,731 |
| Collision coverage, paid by your own policy | $6,283 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Idaho
If you were partly at fault
Idaho uses modified comparative fault with a 50 percent bar. You can collect money only if your share of fault is less than the other driver's. If your fault is 50 percent or more, you cannot collect anything.
“Contributory negligence or comparative responsibility shall not bar recovery ... if such negligence or comparative responsibility was not as great as the negligence, gross negligence or comparative responsibility of the person against whom recovery is sought, but any damages allowed shall be diminished in the proportion to the amount of negligence or comparative responsibility attributable to the person recovering.”
The other driver's policy limit is the ceiling
Idaho requires liability insurance of at least $25,000 per person and $50,000 per accident for injury, and $15,000 for property damage.
“$25,000 because of bodily injury to or death of one (1) person in any one (1) accident ... $50,000 because of bodily injury to or death of two (2) or more persons in any one (1) accident ... $15,000 because of injury to or destruction of property of others in any one (1) accident”
If the other driver has no insurance
Insurers must include uninsured and underinsured motorist coverage in every auto policy unless you reject it in writing or electronically.
“A named insured shall have the right to reject either or both uninsured motorist coverage or underinsured motorist coverage, which rejection must be in writing or in an electronic record.”
The deadline that ends the claim
You have 2 years from the crash to sue for your injuries.
“Within two (2) years: ... An action to recover damages for professional malpractice, or for an injury to the person, or for the death of one caused by the wrongful act or neglect of another”
What a lawyer takes if you hire one
Idaho has no statute or rule capping the percentage a lawyer can charge in a personal injury contingency fee. The lawyer conduct rule only requires that the fee be reasonable and be put in a signed written agreement.
“A fee may be contingent on the outcome of the matter for which the service is rendered, except in a matter in which a contingent fee is prohibited by paragraph (d) or other law. A contingent fee agreement shall be in a writing signed by the client and shall state the method by which the fee is to be determined, including the percentage or percentages that shall accrue to the lawyer”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.