Amends existing law to revise provisions for underinsured motor vehicle coverage.

This bill provides that if injured drivers have purchased supplementary or "backup" automobile insurance (underinsurance) for accident-related claims, their own insurance company cannot do any offsets from the face amount of the policy after the accident. This bill requires that all insurance companies sell only "full-value" underinsured motorist coverage, without "offsets" or reductions by the amount that an at-fault driver's insurance pays. Most insurance contracts require such reductions. At present in Idaho, only State Farm sells this "full-value" insurance. This bill will correct this inequity, guaranteeing that injured people have access to the full amount of the underinsured motorist coverage they purchased.