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Acord 61 Id 2009 01

This document provides information about uninsured motorist (UM) and underinsured motorist (UIM) coverage required by Idaho law. It explains that UM coverage pays for damages caused by uninsured vehicles while UIM coverage pays for damages from underinsured vehicles. The document notes that UIM coverage comes in two forms: difference in limits (offset) coverage, which reduces UIM limits by damages recovered from other parties, and excess coverage, which does not reduce limits and is available when damages exceed amounts recovered from other parties. It concludes by including a waiver to reject either or both types of coverage.

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120 views1 page

Acord 61 Id 2009 01

This document provides information about uninsured motorist (UM) and underinsured motorist (UIM) coverage required by Idaho law. It explains that UM coverage pays for damages caused by uninsured vehicles while UIM coverage pays for damages from underinsured vehicles. The document notes that UIM coverage comes in two forms: difference in limits (offset) coverage, which reduces UIM limits by damages recovered from other parties, and excess coverage, which does not reduce limits and is available when damages exceed amounts recovered from other parties. It concludes by including a waiver to reject either or both types of coverage.

Uploaded by

betsabe12366
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as PDF, TXT or read online on Scribd
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AGENCY CUSTOMER ID:

IDAHO AUTO SUPPLEMENT


AGENCY NAMED INSURED(S)

POLICY NUMBER EFFECTIVE DATE CARRIER NAIC CODE

IDAHO UNINSURED MOTORIST AND UNDERINSURED MOTORIST DISCLOSURE STATEMENT

Idaho law requires that every auto liability insurance policy include Uninsured Motorist (UM) coverage and
Underinsured Motorist (UIM) bodily injury coverage, unless a named insured has rejected these coverages in writing.
If the insured is not provided a copy of the written rejection at the time it is made, the insured may receive a copy from
the insurer upon request.

UM coverage may pay damages for bodily injury to an insured person who is legally entitled to collect damages from
the owner or operator of a vehicle that has no insurance, or from a hit-and-run vehicle where the owner or operator is
unknown.

UIM coverage may pay damages for bodily injury to an insured person who is legally entitled to collect damages from
the owner or operator of a vehicle with inadequate limits of liability insurance coverage.

UIM coverage is offered in different forms by different insurers, and insurers are not required to offer more than one
type of UIM coverage. The two most commonly available forms of UIM coverage - "Difference in Limits" (or "Offset")
Coverage and "Excess" Coverage - are briefly explained as follows:

• "Difference in Limits" (or "Offset") Coverage - The policy's UIM coverage limits are
reduced or eliminated by the amount of damages recovered by any insured, from or on
behalf of any underinsured owner(s) or operator(s).

• "Excess" Coverage - The policy's UIM coverage limits are not reduced by the amount of
damages recovered from any underinsured owner(s) or operator(s). UIM coverage limits are
available to pay damages when the insured's damages exceed what can be recovered from
the owner(s) or operator(s) of an underinsured vehicle.

This general explanation is NOT an insurance agreement. All auto liability insurance policies that include UM
and/or UIM coverage have other terms and conditions that may affect or limit the availability of either
coverage. For a more detailed explanation of these coverages, refer to your policy. The Idaho Department of
Insurance can also provide assistance with insurance related questions. Call 800-721-3272 or visit the
Department's website at www.doi.idaho.gov.

UNINSURED AND UNDERINSURED MOTORIST COVERAGE WAIVER


I have read the above explanation of uninsured motorist and underinsured motorist coverages. I understand that I have
the right to reject either or both coverages. I also understand that by signing the rejection below I am informing my
insurer that I do not want the rejected coverage(s) to be included under my automobile liability policy, or under any
renewal or replacement of my policy. I choose to reject the coverage(s) identified below:

INSURER POLICY NUMBER


(The placement of these fields is required by the Idaho Department of Insurance)

I hereby reject Uninsured Motorist Bodily Injury Coverage

I hereby reject Underinsured Motorist Bodily Injury Coverage

Named Insured Date

ACORD 61 ID (2009/01) © 2009 ACORD CORPORATION. All rights reserved.


The ACORD name and logo are registered marks of ACORD

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