CurrentIdaho Department of InsurancePolicy N/A

IDAPA 18.02.02 Automobile Insurance Policies

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This rule provides guidelines for insurers and automobile insurance agents regarding policy cancellation, nonrenewal, application misrepresentations, traffic-violation convictions, premium notices, required notices, and uninsured or underinsured motorist coverage statements in Idaho.

Policy Summary

PayerIdaho Department of Insurance

PolicyIDAPA 18.02.02 Automobile Insurance Policies

Policy CodePolicy N/A

Change TypeNo material change

Effective DateN/A

Next Review DateN/A

Key ActionUse the Director-approved standard UM/UIM statement for new policies and when existing UM/UIM coverage is added or removed.

SourceLink

POLICY UPDATE CHANGES

No material clinical or coverage changes in this revision.

5Idaho Code sections implemented or interpreted

10 daysMinimum cancellation notice for nonpayment

60 daysNew-policy cancellation period

15 daysAdvance period to request nonrenewal reasons

OpenPayer is powered by Trek Health's payer performance platform. Trek continuously ingests, validates, and normalizes Transparency in Coverage data alongside payer policies and other commercial payer data to create a structured payer intelligence foundation. OpenPayer uses this foundation to deliver personalized search results, dynamically generated policy pages, and tailored policy monitoring based on each user's payers, specialties, billing codes, and areas of interest. The same intelligence powers broader payer performance workflows, including reimbursement benchmarking, contract evaluation, payer negotiations, and financial decision-making.

CurrentIdaho Department of InsurancePolicy N/A

IDAPA 18.02.02 Automobile Insurance Policies

Customize your policy alerts

Sign up for all Idaho Department of Insurance policy alerts

Know when Idaho Department of Insurance releases new policies or updates existing guidance.

Monitor payer policy activity

Receive email alerts as soon as relevant payer policies are published or updated.

Policy Summary

PayerIdaho Department of Insurance

PolicyIDAPA 18.02.02 Automobile Insurance Policies

Policy CodePolicy N/A

Change TypeNo material change

Effective DateN/A

Next Review DateN/A

Key ActionUse the Director-approved standard UM/UIM statement for new policies and when existing UM/UIM coverage is added or removed.

SourceLink

POLICY UPDATE CHANGES

No material clinical or coverage changes in this revision.

5Idaho Code sections implemented or interpreted

10 daysMinimum cancellation notice for nonpayment

60 daysNew-policy cancellation period

15 daysAdvance period to request nonrenewal reasons

Director-approved UM/UIM statement required

Automobile Policy Administration Criteria

Cancellation and Nonrenewal Criteria

Cancellation or refusal to renew may occur only on the stated grounds and subject to the applicable notice and timing requirements.

Applicable criteria

Allowable grounds and circumstances
- For non-payment of premium, the cancellation effective time and date must be no earlier than ten (10) days after the notice was mailed or delivered. The mailing date is day one, and the tenth day ends at midnight, standard time, at the named insured's last known address.>= 10 days
- After investigation during the sixty-day period following the effective date of a new automobile policy, the insurer may deliver or mail notice of cancellation on or before the sixtieth (60th) day if it concludes it does not wish to remain on the risk.on or before day 60
  The policy remains in force from the date the notice is mailed until the usual cancellation effective date prescribed by the policy, and the policy is not subject to the provisions of the Act.
- The insurer may cancel or refuse to renew after giving the insured proper notice when it has evidence that the named insured or legal representative made fraudulent or material misrepresentations, omissions, concealment of facts, or incorrect statements in obtaining the policy, and the insurer in good faith would not have issued the policy or provided coverage for a particular hazard if the true facts had been known.
Limitations and conditions
- An agent or other representative may not cancel a policy without the insurer's agreement or for a private debt between the agent and the insured.
- The rule does not permit the insurer to void the policy back to its effective date or rescind coverage to prevent recovery for a loss otherwise insured by the policy.
- A policy may be canceled effective on a date mutually acceptable to the insured, the insurer, and any lienholder.
- A prior existing policy terminates on the effective date of another policy procured by the insured for an automobile designated in both policies when the policies contain duplicate insurance coverage.

Traffic Conviction Criteria

For purposes of cancellation under Section 41-2507, Idaho Code, only qualifying final traffic convictions count.

Conviction determination

A traffic-violation conviction must be a final conviction by a court having competent jurisdiction over violations of laws regulating the operation of motor vehicles.
A non-final disposition does not meet the rule's definition of conviction.
An overtime parking violation is not considered a conviction for purposes of the Act.

Key Timing Requirements

Nonpayment cancellation notice period

Minimum notice periodAt least 10 days after the notice is mailed or delivered

First dayThe date of mailing is counted as the first day

Final dayThe tenth day ends at midnight, standard time, at the insured’s last known address

New-policy cancellation period

Applicable policyA new automobile policy

Notice deadlineCancellation notice may be mailed or delivered on or before the 60th day after the policy effective date

Coverage during notice period

Operational Requirements for Insurers and Agents

Billing Rule

Nonpayment Cancellation Timing

Set the cancellation time and date for nonpayment of premium no earlier than 10 days after the notice is mailed or delivered. The mailing date is day one, and day 10 ends at midnight standard time at the named insured’s last known address.

Denial Risk

Agent Cancellation Authority

Do not permit an agent or other representative to cancel a policy without the insurer’s agreement or to cancel it for a private debt between the agent and the insured.

Billing Rule

Defined Terms

The Act

Defined termThe Act

Idaho Code sectionsSections 41-2506 through 41-2512 of the Idaho Code

QualificationApplies unless otherwise noted

Non-Payment of Premium

SubjectCancellation of a policy for nonpayment of premium

Earliest cancellation timingNo earlier than 10 days after the notice was mailed or delivered

Counting ruleThe mailing date is the first day, and the tenth day ends at midnight, standard time, at the named insured’s last known address

Policy Summary

PayerIdaho Department of Insurance

PolicyIDAPA 18.02.02 Automobile Insurance Policies

Policy CodePolicy N/A

Change TypeNo material change

Effective DateN/A

Next Review DateN/A

Key ActionUse the Director-approved standard UM/UIM statement for new policies and when existing UM/UIM coverage is added or removed.

SourceLink

On This Page

The policy remains in force until the cancellation effective date prescribed by the policy terms

Cancellation-reason request deadline

Request formatWritten request

Request deadlineMailed or delivered not less than 10 days before the effective cancellation date

Required responseThe insurer will supply the reason or reasons why the policy was canceled

Nonrenewal-reason request deadline

Request formatWritten request

Request deadlineMailed or delivered not less than 15 days before the policy expiration date

Required responseThe insurer will supply the reason or reasons why the policy will not be renewed

Mutual or Duplicate-Coverage Cancellation

Allow cancellation effective on a date mutually acceptable to the insured, insurer, and any lienholder. When the insured procures another policy with duplicate coverage for an automobile designated in both policies, recognize that the prior policy terminates on the effective date of the new policy.

Billing Rule

New-Policy 60-Day Cancellation

For a new automobile policy, an insurer that concludes after investigating the risk that it does not wish to remain on the risk may deliver or mail a cancellation notice on or before the 60th day after the policy’s effective date. Coverage remains in force from the mailing date through the policy’s usual cancellation-effective date under its terms, and the policy is not subject to the Act’s provisions during this period.

Denial Risk

Material Application Misrepresentation

After giving proper notice, cancel or refuse to renew when there is evidence that the named insured or legal representative made a fraudulent or material misrepresentation, omission, concealment of facts, or incorrect statement in obtaining the policy, and the insurer in good faith would not have issued the policy or provided coverage for a particular hazard had the true facts been disclosed.

Denial Risk

No Retroactive Rescission

Do not void the policy back to its effective date or rescind coverage to prevent recovery for a loss that is otherwise insured under the policy.

Documentation Required

Traffic Conviction Standard

For traffic-violation cancellation purposes, use only a final conviction by a court with competent jurisdiction over violations of laws regulating motor-vehicle operation. An overtime parking violation is not a conviction under the Act.

Billing Rule

Renewal Premium Notice

Mailing a renewal premium notice constitutes the insurer’s willingness to renew. If the insured does not pay the renewal premium when due, the policy terminates according to its terms; no additional notice of an intention not to renew for nonpayment is required.

Documentation Required

Notice Form Approval

Prepare cancellation, refusal-to-renew, and Idaho Automobile Insurance Plan availability notice forms and submit them to the Director for approval before use.

Documentation Required

Cancellation Reason Request

Upon a written request mailed or delivered to the insurer at least 10 days before the effective date of cancellation, provide the insured with the reason or reasons for the insurer’s cancellation.

Documentation Required

Nonrenewal Reason Request

Upon a written request mailed or delivered to the insurer at least 15 days before the policy expiration date, provide the insured with the reason or reasons for the insurer’s refusal to renew. The expiration date is when coverage ceases unless the policy is renewed.

Note

Idaho Automobile Insurance Plan Notice

Include notice directing insureds who have difficulty obtaining automobile liability insurance to contact their agent or company representative for details about possible eligibility through the Idaho Automobile Insurance Plan.

Documentation Required

UM/UIM Standard Statement

Use the standard uninsured and underinsured motorist coverage statement approved by the Director and available on the Department’s website for all new policies and existing policies when UM or UIM coverage is added or removed. File the standard statement form with the Director before use.

Documentation Required

UM/UIM Form Modifications

Limit modifications to the Director-approved UM/UIM standard statement to nonsubstantive changes, such as adding company letterhead. Do not treat this rule as creating new requirements for the types of UIM coverage carriers offer beyond those in effect when the rulemaking became effective.

Sixty-Day Period

Applicable policyA new automobile policy

Defined periodThe period after the policy’s effective date during which the insurer may cancel after investigating the risk

Notice and coverage ruleNotice must be mailed or delivered on or before the 60th day, and coverage remains in force until the policy’s effective cancellation date

Conviction

DefinitionA final conviction

Court requirementIssued by a court having competent jurisdiction

Covered violationsViolations of laws regulating the operation of motor vehicles; an overtime parking violation is not considered a conviction