Idaho Code
Idaho Code

Idaho Code § 41-2503 (2026)

Definitions and application. 

✓ current as of May 2026
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Definitions and application. 

(1) For the purposes of uninsured motorist coverage, the term "uninsured motor vehicle" shall, subject to the terms and conditions of such coverage, be deemed to include an insured motor vehicle where the liability insurer thereof is unable to make payment with respect to the legal liability of its insured within the limits specified therein because of insolvency.

(2)  For purposes of underinsured motorist coverage, subject to the further definitions, terms and conditions of such coverage, the term "underinsured motor vehicle" means a motor vehicle that is a self-insured motor vehicle, or a motor vehicle that is covered by a policy of motor vehicle liability insurance or an indemnity bond, with limits for bodily injury or death at least equal to those limits set forth in section 49-117, Idaho Code.
(3)  Except as provided in subsections (1) and (2) of this section, the terms and conditions of any policy of motor vehicle liability insurance providing uninsured motorist coverage or underinsured motorist coverage are not altered or amended.
Notes of Decisions
Cited in 6 cases (2 in the last 5 years), 1985–2025 · leading case: Blackburn v. State Farm Mut. Auto. Ins., 697 P.2d 425 (Idaho 1985).
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Blackburn v. State Farm Mut. Auto. Ins., 697 P.2d 425 (Idaho 1985). · cites it 18× “I.C. § 41-2503, § 41-2504 were also added defining "uninsured motor vehicle" to include one covered by an insurer who is or becomes insolvent within one year after an accident.”
Hill v. Am. Fam. Mut. Ins., 249 P.3d 812 (Idaho 2011). · cites it 4× “Laws at 184 (codified at I.C. § 41-2503(2)). The Legislature accordingly intends to protect Idaho's citizens from drivers carrying policies above the statutorily required policy levels but who have insurance insufficient to compensate their tort victims.”
Hammon v. Farmers Ins. Grp., 692 P.2d 1202 (Idaho Ct. App. 1985). · cites it 2× “I.C. § 41-2503. The statutes are silent on whether an unidentified vehicle, such as the red pickup in this case, is to be regarded as “uninsured.”
Pena v. Viking Ins. Co. of Wisconsin (Idaho 2022). · cites it 22× “” I.C. § 41-2503(2) (emphasis added). Thus, because the statutory definition is “subject to” the definition of the Policy here, the district court erred by replacing the Policy’s deficient language by inserting statutory language into the Policy’s definitions.”
Wood v. Farmers Ins. Co of Idaho (Idaho 2019). · cites it 4× “See I.C. § 41-2503(1). Wood filed a UIM claim with Farmers, her insurer.”
Foresee v. Metro. Grp. Prop. & Cas. Ins. Co., 572 P.3d 754 (Idaho Ct. App. 2025). · cites it 2× “” Idaho Code § 41-2503 (2) defines an underinsured motor vehicle as “a motor vehicle that is covered by a policy of motor vehicle liability insurance or an indemnity bond, with limits for bodily injury or death at least equal to” statutory limits.”
— Idaho Code § 41-2503(1) — 1 case
Wood v. Farmers Ins. Co of Idaho (Idaho 2019). “See I.C. § 41-2503(1). Wood filed a UIM claim with Farmers, her insurer.”
— Idaho Code § 41-2503(2) — 3 cases
Hill v. Am. Fam. Mut. Ins., 249 P.3d 812 (Idaho 2011). “Laws at 184 (codified at I.C. § 41-2503(2)). The Legislature accordingly intends to protect Idaho's citizens from drivers carrying policies above the statutorily required policy levels but who have insurance insufficient to compensate their tort victims.”
Pena v. Viking Ins. Co. of Wisconsin (Idaho 2022). “” I.C. § 41-2503(2) (emphasis added). Thus, because the statutory definition is “subject to” the definition of the Policy here, the district court erred by replacing the Policy’s deficient language by inserting statutory language into the Policy’s definitions.”
Wood v. Farmers Ins. Co of Idaho (Idaho 2019). “See I.C. § 41-2503(1). Wood filed a UIM claim with Farmers, her insurer.”
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