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• IA Auto Insurance

Iowa State Auto Insurance Comparisons

Know Iowa State Laws To Compare Car Insurance Companies

Auto insurance laws are a bit different in every state. Almost all of the states have mandatory minimum insurance requirements, but the amounts and types of coverage requried varies significantly. The consequences for failing to comply with car insurance laws is also different per state, but it usually results in fines or llicense revocation.

At AIP, learn everything you need to know about Iowa’s auto insurance laws and compare Iowa auto insurance company quotes here, your one-stop-shop for all things related to Iowa car insurance.

Iowa auto insurance law: minimum required auto insurance

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

Iowa System for Determing Fault in a Car Accident

Iowa follows what is commonly called the "tort system". This means that a driver MUST be found to be at fault. The driver determined to have caused the accident and their insurance company are responsible for all the damages to both vehicles. For states that use the tort system, it amy be smarter to purchase as much car insurance coverage that you can reasonably afford. An Iowa driver at fault could be required to pay out of their own pocket for any medical expenses or damages not covered by their policy. If you are considered the one to cause the accident, that could be you and it could be very costly.

Personal Injury Protection insurance coverage is not required in Iowa.

While Iowa does not require you to carry Personal Injury Protection (PIP) on your car insurance, it might be wise to add it to your policy. Personal Injury Protection (PIP) covers reasonable and necessary medical expenses for you and your passengers after an accident. These expenses can include lost wages and funeral expenses for a period of 3 years from the date of the accident.

Iowa does not require uninsured or underinsured motorist coverage.

An uninsured or underinsured motorist may cost you money if you are the victim of an accident and they either do not have insurance or their insurance is not adequate enough to cover your expenses. In Iowa, you may choose to purchase uninsured motorist coverage and it is probably smart to do so, but it is not state law that you must. If you have uninsured motorist coverage, then you and your passengers may be able to collect from your own insurance company in the event that the at-fault party does not have adequate insurance coverage.

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