Logo, Michael J Verbillis - Attorney at Law
(208) 667-9475
601 E Sherman Avenue, Suite 3, Coeur d'Alene, ID 83814


1. I was in an automobile collision and it was not my fault. The insurance company for the at-fault party has agreed to repair my car, but will not pay for any of my medical expenses. Why not?

Regrettably, the law in the State of Idaho does not require the insurer for the responsible party in a car crash setting to "advance" pay medical expenses as they accrue to the victim of someone's careless actions. The reason for this rule is that the responsible party, not the insurance company is the one who legally must respond to the claimant's damages. The responsible party only has to pay one time and that time is usually the time of trial or settlement. Even though the insurance company for the negligent person is obliged to pay those losses, it does not have to do so before the amount is fully determined. I know that sounds unfair, but that is the law in this state and it does differ in other states.

2. If the responsible party will not pay my medical bills, how will I get them paid?

Most people that have their own insurance have what is known as "medical payments" coverage. This portion of your auto-policy covers the first dollars up to the stated limit in the declarations policy for any medical expenses for anyone in the vehicle during a covered event. If you also have health insurance, your applicable health insurance will pay, but not until your medical payments are exhausted.

3. If my case goes to trial can we tell the jury how much insurance the offending party has?

Evidence or the existence of insurance and the amount thereof is not considered admissible under current Idaho law. As a practical matter, most members of the jury are aware that in modern society, even in a rural state like Idaho, most motorists have some type of insurance.

Contact us in Coeur d'Alene, Idaho, to get targeted legal advice on your personal injury case.