Unlike many other states, including No-Fault states, Idaho does not have personal injury protection insurance available. Instead, Idaho has an optional type of insurance called ‘Medical Payments Insurance’, or ‘MedPay’, which covers the payment of medical bills (and only medical bills). Unlike personal injury protection in other states, this does not cover other expenses that may stem from your injuries.
If the cost of your damages outside of medical bills, such as the loss of wages or additional required assistance due to your injuries, is not covered by the other driver’s bodily injury Insurance or your own uninsured motorist coverage, you may be forced to pay additional costs out of pocket. It is often these kinds of situations where your case may need to go to court in order for you to receive the compensation you need to properly recover from your accident.