Idaho Car Accident Settlement Calculator
Get a rough estimate of what a Idaho car-accident injury claim might be worth, based on your medical bills and losses. This is an estimate to understand the factors — not a prediction or an offer.
This is a rough estimate, not a prediction or an offer.
No tool can predict a settlement. This uses the common "multiplier method" to show the factors that drive value and a wide range — actual outcomes depend on the facts, the available insurance limits, the venue, and negotiation. Consult a Idaho car-accident attorney about your case.
Enter your medical bills and losses to see an estimated range
The multiplier method (pain-and-suffering as a multiple of your medical bills) is a common starting point, not a guarantee. A real recovery is also capped by the available insurance (the at-fault driver's limits, or your own UM/UIM coverage). Most car-accident cases settle; an attorney is the only way to value your specific claim. This tool is not legal advice and RecordingLaw.com is not a law firm.
How the Estimate Works
No tool can predict a car-accident settlement — every case is different and the number depends on the facts, the available insurance, the venue, and negotiation. This calculator applies the multiplier method: it adds your economic damages (medical bills, lost wages, vehicle damage), then estimates pain and suffering as a multiple of your medical bills (about 1.5× for minor injuries up to 5× or more for catastrophic ones), and shows a wide range. It then applies Idaho's fault rule and flags the insurance limits that cap a real payout.
Idaho Is an at-fault (tort) state
Idaho is a traditional at-fault (tort) state. The driver who causes a crash is liable for the resulting damages, and an injured party files a claim against (or sues) the at-fault driver and their liability insurer. Idaho is NOT one of the 12 traditional no-fault states and is not a choice/add-on state. Idaho requires mandatory liability insurance under Idaho Code §§ 49-1229 and 49-1212, with minimum limits set by § 49-117.
Minimum Insurance & UM/UIM in Idaho
A settlement is only collectible up to the available insurance. Idaho's minimum required liability coverage is $25,000 per person / $50,000 per accident for bodily injury and $15,000 for property damage. Many drivers carry only the minimum, so a large claim can exceed the at-fault driver's policy. Idaho mandates minimum liability limits of 25/50/15: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $15,000 property damage per accident. These amounts are defined in Idaho Code § 49-117(20) and required by §§ 49-1212(1) and 49-1229; § 49-117 supplies the dollar figures the other sections reference.
Uninsured/underinsured motorist (UM/UIM): if the other driver had no insurance or fled the scene, your recovery comes from your own UM/UIM coverage. In Idaho, UM/UIM is must be offered (you may reject it in writing). Idaho Code § 41-2502 requires that uninsured motorist (UM) and underinsured motorist (UIM) coverage be included in every motor-vehicle liability policy issued in Idaho UNLESS the named insured rejects it. The named insured has the right to reject either or both UM and UIM coverage, but the rejection must be in writing (or an electronic record under the Uniform Electronic Transactions Act), and once rejected with the same insurer the coverage need not be included on renewals/replacements. When provided, UM/UIM limits track the bodily-injury limits in § 49-117 (25/50). So UM/UIM is offer-required and rejectable in writing, not mandatory to carry.
Fault & Your Recovery: modified comparative negligence (50% bar)
Idaho follows modified comparative negligence (50% bar). Your award is reduced by your share of fault, and you recover nothing once you are 50% or more at fault.
Deadline to File a Idaho Car-Accident Claim
Idaho generally requires a car-accident injury lawsuit to be filed within 2 years of the crash (the statute of limitations). Idaho's personal-injury statute of limitations is 2 years (Idaho Code § 5-219(4)), which applies to bodily-injury claims arising from auto accidents. (Claims for damage to personal property run 3 years under § 5-218, but the personal-injury auto-tort deadline is 2 years.) Miss it and your claim is usually barred no matter how strong it is, so do not wait to talk to an attorney.
- Idaho is an at-fault (tort) state: the driver who causes the crash is liable, and you file your injury claim against the at-fault driver's liability insurer rather than your own no-fault/PIP coverage.
- Mandatory liability limits are 25/50/15 - $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage (Idaho Code 49-117(20), required by 49-1229 and 49-1212).
- PIP is optional, not required. Idaho has no no-fault system, so there is no threshold to clear before claiming pain and suffering - full tort damages are available from day one.
- Recovery is reduced by your share of fault and barred entirely if you are 50% or more at fault (modified comparative negligence, Idaho Code 6-801).
- Uninsured/underinsured motorist coverage must be offered on every policy but can be rejected in writing; if not rejected it is included at limits tracking the 25/50 bodily-injury minimums (Idaho Code 41-2502).
- You generally have 2 years from the date of the accident to file a personal-injury lawsuit (Idaho Code 5-219(4)).
Frequently Asked Questions
How much is my Idaho car accident claim worth?
No one can tell you a number in advance. A rough estimate adds your economic damages (medical bills, lost wages, vehicle damage) and applies a pain-and-suffering multiplier, then adjusts for fault under Idaho's modified comparative negligence (50% bar) rule. The real value also depends on the available insurance limits — an attorney is the only way to value your specific case.
Is Idaho a no-fault state?
Idaho is a traditional at-fault (tort) state. The driver who causes a crash is liable for the resulting damages, and an injured party files a claim against (or sues) the at-fault driver and their liability insurer. Idaho is NOT one of the 12 traditional no-fault states and is not a choice/add-on state. Idaho requires mandatory liability insurance under Idaho Code §§ 49-1229 and 49-1212, with minimum limits set by § 49-117.
Does my own fault reduce my Idaho settlement?
Yes. Idaho follows modified comparative negligence (50% bar). You recover nothing once you are 50% or more at fault.
How long do I have to file in Idaho?
Generally 2 years from the crash. Idaho's personal-injury statute of limitations is 2 years (Idaho Code § 5-219(4)), which applies to bodily-injury claims arising from auto accidents. (Claims for damage to personal property run 3 years under § 5-218, but the personal-injury auto-tort deadline is 2 years.)
Is this calculator accurate?
It is a rough estimate to show the factors that drive value — not a prediction or an offer. Real settlements vary enormously and are capped by the available insurance. Treat any number here as a ballpark and consult a Idaho car-accident attorney.
Disclaimer
This estimator is for general informational purposes only and is not legal advice or a prediction of any outcome. RecordingLaw.com is not a law firm. The value of a car-accident claim can only be assessed by a licensed attorney reviewing your specific facts.