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H0770 • 2026

MOTOR VEHICLE FINANCIAL RESPONSIBILITY – Amends existing law to revise the amount of required motor vehicle insurance relating to property damage.

MOTOR VEHICLE FINANCIAL RESPONSIBILITY – Amends existing law to revise the amount of required motor vehicle insurance relating to property damage.

Active

The official status still shows this bill as active or still awaiting another formal step.

Sponsor
WAYS AND MEANS COMMITTEE
Last action
2026-02-26
Official status
H Bus
Effective date
Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

MOTOR VEHICLE FINANCIAL RESPONSIBILITY – Amends existing law to revise the amount of required motor vehicle insurance relating to property damage.

MOTOR VEHICLE FINANCIAL RESPONSIBILITY – Amends existing law to revise the amount of required motor vehicle insurance relating to property damage.

What This Bill Does

  • MOTOR VEHICLE FINANCIAL RESPONSIBILITY – Amends existing law to revise the amount of required motor vehicle insurance relating to property damage.

Limits and Unknowns

  • This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Bill History

  1. 2026-02-26 Idaho State Legislature

    Reported Printed and Referred to Business

  2. 2026-02-25 Idaho State Legislature

    Introduced, read first time, referred to JRA for Printing

Official Summary Text

MOTOR VEHICLE FINANCIAL RESPONSIBILITY – Amends existing law to revise the amount of required motor vehicle insurance relating to property damage.

Current Bill Text

Read the full stored bill text
LEGISLATURE
OF
THE
STATE
OF
IDAHO
Sixty-eighth
Legislature
Second
Regular
Session
-
2026
IN
THE
HOUSE
OF
REPRESENTATIVES
HOUSE
BILL
NO.
770
BY
WAYS
AND
MEANS
COMMITTEE
AN
ACT
1
RELATING
TO
MOTOR
VEHICLE
FINANCIAL
RESPONSIBILITY;
AMENDING
SECTION
2
49
-
117,
IDAHO
CODE,
TO
REVISE
THE
AMOUNT
OF
REQUIRED
MOTOR
VEHICLE
IN
-
3
SURANCE
RELATING
TO
PROPERTY
DAMAGE;
AMENDING
SECTION
49
-
1229,
IDAHO
4
CODE,
TO
REVISE
THE
AMOUNT
OF
REQUIRED
MOTOR
VEHICLE
INSURANCE
RELATING
5
TO
PROPERTY
DAMAGE;
AND
DECLARING
AN
EMERGENCY
AND
PROVIDING
AN
EFFEC
-
6
TIVE
DATE.
7
Be
It
Enacted
by
the
Legislature
of
the
State
of
Idaho:
8
SECTION
1.
That
Section
49
-
117,
Idaho
Code,
be,
and
the
same
is
hereby
9
amended
to
read
as
follows:
10
49
-
117.
DEFINITIONS
-
-
P.
(1)
"Park"
or
"parking"
means
the
standing
1
1
of
a
vehicle,
whether
occupied
or
not,
other
than
temporarily
for
the
pur
-
12
pose
of
and
while
actually
engaged
in
loading
or
unloading
property
or
pas
-
13
sengers.
14
(2)
"Park
model
recreational
vehicle"
means
a
recreational
vehicle
15
that
is
designed
to
provide
temporary
accommodations
for
recreational,
16
camping
or
seasonal
use,
is
built
on
a
single
chassis,
was
originally
mounted
17
on
wheels,
has
a
gross
trailer
area
not
exceeding
four
hundred
(400)
square
18
feet
in
the
set
-
up
mode
and
is
certified
by
its
manufacturer
as
complying
19
with
the
American
National
Standards
Institute
(ANSI)
A119.5
Standard
for
20
Recreational
Park
Trailers,
and
includes
park
models,
park
trailers
and
21
recreational
park
trailers.
22
(3)
"Part
-
time
salesman"
means
any
person
employed
as
a
vehicle
sales
-
23
man
on
behalf
of
a
dealer
fewer
than
thirty
(30)
hours
per
week.
24
(4)
"Peace
officer."
(See
section
19
-
5101(d),
Idaho
Code)
25
(5)
"Pedestrian"
means
any
person
afoot
and
any
person
operating
a
26
wheelchair
or
a
motorized
wheelchair
or
an
electric
personal
assistive
mo
-
27
bility
device.
28
(6)
"Pedestrian
path"
means
any
path,
sidewalk
or
way
set
aside
and
used
29
exclusively
by
pedestrians.
30
(7)(a)
"Person"
means
every
natural
person,
firm,
fiduciary,
copart
-
31
nership,
association,
corporation,
trustee,
receiver
or
assignee
for
32
the
benefit
of
creditors,
political
subdivision,
state
or
federal
gov
-
33
ernmental
department,
agency,
or
instrumentality
and,
for
the
purposes
34
of
chapter
22,
title
49,
Idaho
Code,
shall
include
a
private,
common
or
35
contract
carrier
operating
a
vehicle
on
any
highway
of
this
state.
36
(b)
"Person
with
a
disability"
means:
37
(i)
A
person
who
is
unable
to
walk
two
hundred
(200)
feet
or
more
38
unassisted
by
another
person;
39
(ii)
A
person
who
is
unable
to
walk
two
hundred
(200)
feet
or
more
40
without
the
aid
of
a
walker,
cane,
crutches,
braces,
prosthetic
41
device
or
a
wheelchair;
or
42

2
(iii)
A
person
who
is
unable
to
walk
two
hundred
(200)
feet
or
1
more
without
great
difficulty
or
discomfort
due
to
the
following
2
impairments:
neurological,
orthopedic,
respiratory,
cardiac,
3
arthritic
disorder,
blindness,
or
the
loss
of
function
or
absence
4
of
a
limb.
5
(iv)
For
the
purposes
of
chapters
3
and
4,
title
49,
Idaho
Code,
6
a
person
with
a
permanent
disability
is
one
whose
physician
certi
-
7
fies
that
the
person
qualifies
as
a
person
with
a
disability
pur
-
8
suant
to
this
paragraph
and
further
certifies
that
there
is
no
ex
-
9
pectation
for
a
fundamental
or
marked
change
in
the
person's
con
-
10
dition
at
any
time
in
the
future.
1
1
(8)
"Personal
delivery
device"
means
an
electrically
powered
device
12
that
is
operated
on
sidewalks,
crosswalks,
and
the
sides
or
berms
of
high
-
13
ways
and
is
intended
primarily
to
transport
property;
weighs
less
than
five
14
hundred
fifty
(550)
pounds,
excluding
cargo;
operates
at
a
maximum
speed
of
15
ten
(10)
miles
per
hour
when
on
sidewalks;
and
is
equipped
with
technology
to
16
allow
for
operation
of
the
device
with
or
without
the
active
control
or
moni
-
17
toring
of
a
natural
person.
A
personal
delivery
device
shall
not
be
defined
18
as
a
vehicle
or
motor
vehicle
in
any
section
of
the
law,
unless
expressly
so
19
stated.
20
(9)
"Personal
delivery
device
operator"
means
an
entity
or
its
agent
21
that
exercises
direct
physical
control
or
monitoring
over
the
navigation
22
system
and
operation
of
a
personal
delivery
device.
For
the
purposes
of
this
23
subsection,
the
term
"agent"
means
a
person
charged
by
the
entity
with
the
24
responsibility
of
navigating,
monitoring,
or
operating
the
personal
deliv
-
25
ery
device.
The
term
"personal
delivery
device
operator"
does
not
include
26
an
entity
or
person
who
requests
the
services
of
a
personal
delivery
device
27
for
the
purpose
of
transporting
property
or
an
entity,
nor
does
it
include
28
a
person
who
merely
arranges
for
and
dispatches
the
requested
services
of
a
29
personal
delivery
device.
30
(10)
"Personal
information"
means
information
that
identifies
an
indi
-
31
vidual,
including
an
individual's
photograph
or
computerized
image,
social
32
security
number,
driver
identification
number,
name,
address,
telephone
33
number,
and
medical
or
disability
information,
but
does
not
include
infor
-
34
mation
on
vehicular
accidents,
driving
or
equipment
-
related
violations,
35
the
five
-
digit
zip
code
of
the
person's
address,
or
status
of
the
driver's
36
license
or
motor
vehicle
registration.
37
(11)
"Pneumatic
tire."
(See
"tires,"
section
49
-
121,
Idaho
Code)
38
(12)
"Pole
trailer."
(See
"trailer,"
section
49
-
121,
Idaho
Code)
39
(13)
"Possessory
lien"
means
a
lien
dependent
upon
possession
for
com
-
40
pensation
to
which
a
person
is
legally
entitled
for
making
repairs
or
per
-
41
forming
labor
upon,
and
furnishing
supplies
or
materials
for,
and
for
the
42
towing,
storage,
repair,
or
safekeeping
of
any
vehicle
of
a
type
subject
to
43
registration.
44
(14)
"Possessory
lienholder"
means
any
person
claiming
a
lien,
which
45
lien
claimed
to
have
accrued
on
a
basis
of
services
rendered
to
the
vehicle
46
that
is
the
subject
of
the
lien.
47
(15)
"Preceding
year"
means,
for
the
purposes
of
section
49
-
434,
Idaho
48
Code,
a
period
of
twelve
(12)
consecutive
months
fixed
by
the
department,
49
prior
to
July
1
of
the
year
immediately
preceding
the
commencement
of
the
50

3
registration
or
license
year
for
which
proportional
registration
is
sought.
1
The
department
in
fixing
the
period
shall
make
it
conform
to
the
terms,
con
-
2
ditions
and
requirements
of
any
applicable
agreement
or
arrangement
for
the
3
proportional
registration
of
vehicles.
4
(16)
"Pressure
regulator
valve"
means
a
device
or
system
that
governs
5
the
load
distribution
and
controls
the
weight
borne
by
a
variable
load
sus
-
6
pension
axle
in
accordance
with
a
predetermined
valve
setting.
7
(17)
"Principal
place
of
business"
means
an
enclosed
commercial
struc
-
8
ture
located
within
the
state,
easily
accessible
and
open
to
the
public
at
9
all
reasonable
times,
with
an
improved
display
area
large
enough
to
display
10
five
(5)
or
more
vehicles
of
the
type
the
dealer
is
licensed
to
sell,
imme
-
1
1
diately
adjoining
the
building,
and
at
which
the
business
of
a
dealership,
12
including
the
display
and
repair
of
vehicles,
may
be
lawfully
carried
on
13
in
accordance
with
the
terms
of
all
applicable
building
codes,
zoning
and
14
other
land
-
use
regulatory
ordinances,
and
in
which
building
the
public
shall
15
be
able
to
contact
the
dealer
or
his
salesmen
in
person
or
by
telephone
at
16
all
reasonable
times.
The
books,
records
and
files
necessary
to
conduct
17
the
business
of
the
dealership
must
be
kept
or
reproduced
electronically
at
18
the
dealership's
licensed
location(s).
A
dealership
keeping
its
physical
19
books,
records
and
files
at
an
off
-
site
location
must
notify
the
department
20
in
writing
of
such
location
at
least
thirty
(30)
days
in
advance
of
moving
21
such
books,
records
and
files
off
-
site.
Physical
books,
records
and
files
22
must
be
made
available
to
the
department
upon
request
within
three
(3)
busi
-
23
ness
days
of
such
request.
The
principal
place
of
business
shall
display
24
an
exterior
sign
permanently
affixed
to
the
land
or
building,
with
letters
25
clearly
visible
to
the
major
avenue
of
traffic.
In
no
event
shall
a
room
or
26
rooms
in
a
hotel,
rooming
house,
or
apartment
house
building
or
a
part
of
any
27
single
or
multiple
unit
dwelling
house
be
considered
a
"principal
place
of
28
business"
within
the
terms
and
provisions
of
this
title
unless
the
entire
29
ground
floor
of
that
hotel,
apartment
house,
or
rooming
house
building
or
30
dwelling
house
be
devoted
principally
to
and
occupied
for
commercial
pur
-
31
poses,
and
the
office
or
offices
of
the
dealer
be
located
on
the
ground
floor.
32
(18)
"Private
property
open
to
the
public"
means
real
property
not
owned
33
by
the
federal
government
or
the
state
of
Idaho
or
any
of
its
political
sub
-
34
divisions,
but
is
available
for
vehicular
traffic
or
parking
by
the
general
35
public
with
the
permission
of
the
owner
or
agent
of
the
real
property.
36
(19)
"Private
road"
means
every
way
or
place
in
private
ownership
and
37
used
for
vehicular
travel
by
the
owner
and
those
having
express
or
implied
38
permission
from
the
owner,
but
not
by
other
persons.
39
(20)
"Proof
of
financial
responsibility"
means
proof
of
ability
to
re
-
40
spond
in
damages
for
liability,
on
account
of
accidents
occurring
subsequent
41
to
the
effective
date
of
the
proof,
arising
out
of
the
ownership,
mainte
-
42
nance
or
use
of
a
motor
vehicle,
in
the
amount
of
twenty
-
five
thousand
dol
-
43
lars
($25,000)
because
of
bodily
injury
to
or
death
of
one
(1)
person
in
any
44
one
(1)
accident
and,
subject
to
the
limit
for
one
(1)
person,
in
the
amount
45
of
fifty
thousand
dollars
($50,000)
because
of
bodily
injury
to
or
death
of
46
two
(2)
or
more
persons
in
any
one
(1)
accident,
and
in
the
amount
of
fifteen
47
thousand
dollars
($15,000)
twenty
-
five
thousand
dollars
($25,000)
because
48
of
injury
to
or
destruction
of
property
of
others
in
any
one
(1)
accident.
49
(21)
"Proper
authority"
means
a
public
highway
agency.
50

4
(22)
"Public
highway
agency"
means
the
state
transportation
depart
-
1
ment,
any
city,
county,
highway
district
or
any
other
state
agency
that
has
2
jurisdiction
over
public
highway
systems
and
public
rights
-
of
-
way.
3
(23)
"Public
right
-
of
-
way"
means
a
right
-
of
-
way
open
to
the
public
and
4
under
the
jurisdiction
of
a
public
highway
agency,
where
the
public
highway
5
agency
has
no
obligation
to
construct
or
maintain
said
right
-
of
-
way
for
ve
-
6
hicular
traffic.
7
(24)
"Public
road
jurisdiction"
means
a
public
highway
agency.
8
(25)
"Purchase."
(See
"sell,"
"sold,"
and
"buy,"
section
49
-
120,
Idaho
9
Code)
10
SECTION
2.
That
Section
49
-
1229,
Idaho
Code,
be,
and
the
same
is
hereby
1
1
amended
to
read
as
follows:
12
49
-
1229.
REQUIRED
MOTOR
VEHICLE
INSURANCE.
(1)
Every
owner
of
a
mo
-
13
tor
vehicle
which
is
registered
and
operated
in
Idaho
by
the
owner
or
with
14
his
permission
shall
continuously,
except
as
provided
in
section
41
-
2516,
15
Idaho
Code,
provide
insurance
against
loss
resulting
from
liability
imposed
16
by
law
for
bodily
injury
or
death
or
damage
to
property
suffered
by
any
per
-
17
son
caused
by
maintenance
or
use
of
motor
vehicles
described
therein
in
an
18
amount
not
less
than
that
required
by
section
49
-
117,
Idaho
Code,
and
shall
19
demonstrate
the
existence
of
any
other
coverage
required
by
this
title
or
a
20
certificate
of
self
-
insurance
issued
by
the
department
pursuant
to
section
21
49
-
1224,
Idaho
Code,
for
each
motor
vehicle
to
be
registered.
22
(2)
A
motor
vehicle
owner
who
prefers
to
post
an
indemnity
bond
with
the
23
director
of
the
department
of
insurance
in
lieu
of
obtaining
a
policy
of
lia
-
24
bility
insurance
may
do
so.
Such
bond
shall
guarantee
that
any
loss
result
-
25
ing
from
liability
imposed
by
law
for
bodily
injury,
death
or
damage
to
prop
-
26
erty
suffered
by
any
person
caused
by
accident
and
arising
out
of
the
opera
-
27
tion,
maintenance
and
use
of
the
motor
vehicle
sought
to
be
registered
shall
28
be
paid
within
thirty
(30)
days.
The
indemnity
bonds
shall
guarantee
payment
29
in
an
amount
no
less
than
fifty
thousand
dollars
($50,000)
for
any
one
(1)
30
accident
of
which
fifteen
thousand
dollars
($15,000)
twenty
-
five
thousand
31
dollars
($25,000)
is
for
property
damage,
for
each
vehicle
registered
up
to
32
a
maximum
of
one
hundred
twenty
thousand
dollars
($120,000)
for
five
(5)
or
33
more
vehicles.
34
(3)
Any
bond
given
in
connection
with
this
chapter
shall
be,
and
shall
35
be
construed
to
be,
a
continuing
instrument
and
shall
cover
the
period
for
36
which
the
motor
vehicle
is
to
be
registered
and
operated.
Such
bond
shall
be
37
on
a
form
approved
by
the
director
of
insurance
with
a
surety
company
autho
-
38
rized
to
do
business
in
the
state.
39
(4)
A
motor
carrier
shall
continuously
provide
insurance
against
loss
40
resulting
from
liability
imposed
by
law
or
by
rule
of
the
department
and
41
shall
comply
with
the
insurance
requirements
of
section
49
-
1233,
Idaho
Code.
42
(5)
It
is
an
infraction
punishable
by
a
fine
of
seventy
-
five
dollars
43
($75.00)
for
any
person
to
violate
the
provisions
of
this
section
for
the
44
first
time.
A
second
and
any
subsequent
conviction
for
a
violation
of
the
45
provisions
of
this
section
or
the
provisions
of
section
49
-
1232
or
49
-
1428,
46
Idaho
Code,
within
a
period
of
five
(5)
years
shall
be
a
misdemeanor,
punish
-
47
able
by
a
fine
not
exceeding
one
thousand
dollars
($1,000),
or
by
imprison
-
48
ment
in
the
county
jail
not
exceeding
six
(6)
months,
or
both.
The
depart
-
49

5
ment
shall
notify
any
person
convicted
of
a
violation
of
this
section
of
the
1
penalties
which
may
be
imposed
for
a
second
and
any
subsequent
conviction.
2
SECTION
3.
An
emergency
existing
therefor,
which
emergency
is
hereby
3
declared
to
exist,
this
act
shall
be
in
full
force
and
effect
on
and
after
4
July
1,
2026.
5