Idaho Insurance Regulations

Overview

Idaho Department of Insurance regulates the insurance industry and provides consumer assistance. Idaho follows a modified comparative fault system where claimants are barred from recovery at 50% or more fault.

Key Insurance Regulations in Idaho

• Modified comparative fault — barred at 50% or more fault
• 2-year statute of limitations for personal injury; 3 years for vehicle property damage (Idaho Code § 5-218(3))
• Mandatory auto insurance: 25/50/15 minimum liability

Filing an Insurance Complaint in Idaho

If you believe your insurance company has acted unfairly or violated Idaho insurance laws, you can file a complaint with the Idaho Department of Insurance. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Idaho Department of Insurance typically responds to complaints within 30 days.