They will tell you to wait, that liability is still under investigation, and that they cannot pay until the other insurer accepts fault.

What is actually true is simpler: in Idaho, two insurers pointing fingers does not erase your claim, and it does not stop the clock.

If two drivers contributed to a Nampa crash near a school zone or bus stop, you can make claims against both. Idaho follows comparative negligence rules. Fault can be split among multiple people, and each party is usually responsible for their percentage of fault. One insurer saying "our driver was only 20% at fault" is not the same as saying you get nothing.

What matters is evidence. In a back-to-school crash, that usually means the Nampa Police report, witness names, photos of lane positions, crosswalk markings, school-zone signs, vehicle damage, and your medical records. If one driver was speeding through a marked school zone or looking at a phone, that can shift fault hard. If the crash happened on a state route, records may also involve the Idaho State Police.

The big consequence of doing nothing is the deadline. Idaho's general deadline for most injury lawsuits is 2 years from the crash. If one at-fault vehicle was owned by a city, school district, or other public agency, a notice under the Idaho Tort Claims Act can be due in just 180 days.

Also, do not assume settling with one insurer ends everything cleanly. Your health insurer may later assert subrogation, meaning it wants repayment from any settlement for bills it covered. That is a separate fight from who caused the wreck.

If the insurers stall while you miss shifts and bills pile up, the delay helps them, not you.