If you are caught driving without insurance in Iowa, your car can be impounded, your registration may be suspended, and you can face faces of $250. Additionally, if you are responsible for a collision while driving without insurance, you may lose your driving privileges for up to one year. Despite this, an estimated 8.7% of vehicle owners in this state are driving while uninsured.
If you are in an accident that was caused by an uninsured driver, that person is responsible for covering your damage and any related medical bills. However, if the uninsured driver simply doesn’t have the funds available, you may be forced to hire a lawyer and take legal action just to collect a fraction of what is due to you.
That is why uninsured motorist coverage can prove so beneficial. This optional coverage pays for your vehicle repairs and medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured. It also covers damage caused by uninsured drivers. Your insurance company will then take on the time-consuming responsibility of trying to collect the money owed by the at-fault driver.