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Do I have to add uninsured motorist coverage to my policy?

"I live in Idaho. Do I need to add uninsured motorist coverage? I have health insurance, so I'm not really sure why I would need it."

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“While
uninsured motorist coverage
isn’t required in Idaho, it can still be beneficial to have.
The purpose of uninsured motorist coverage is to protect you if you’re in an accident with a driver who doesn’t have insurance. If you’re injured in a car accident, your uninsured motorist coverage would kick in immediately. It also covers more than just medical bills.
In comparison, your health insurance may require that your car insurance pay first. You also would be required to pay your health insurance deductible or copay. This isn’t required with uninsured motorist coverage.
It is up to you whether you’d like to add uninsured motorist coverage to your policy since it’s not required. However, you should still look at the cost of adding it. If you can afford it, it’s worth the extra protection. You can compare the cost of uninsured motorist coverage with different insurance companies using the free
Jerry
app.”
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