Bodily Injury Requirements in Iowa
Bodily injury liability insurance will pay for the medical expenses of another driver when you're at fault. Iowa requires you to carry $20,000 per person and $40,000 per accident in bodily injury liability coverage.
In most cases, the state-required limits are too low and are increased by insureds. You can review your coverage through a local adviser for accuracy and sufficiency.
Property Damage Requirements in Iowa
In Iowa, property damage liability is a requirement under your auto policy. This coverage helps pay for damage to another party's vehicle when you're at fault for the loss.
You'll be mandated to carry the minimum limits of protection in Iowa, starting at $15,000 in property damage liability. There are various limit options when it comes to your liability coverage that can be discussed with a trusted expert.
Personal Injury Protection Requirements in Iowa
Some states require personal injury protection, or PIP, that helps pay for your medical expenses when you're injured due to an at-fault claim. In Iowa, PIP is not a requirement, but you can obtain medical payments coverage.
Medical payments protection pays for any medical bills when you have an injury resulting from a car accident. Though optional, you'll need this coverage in order to avoid paying out of pocket for an injury that's your fault.
Uninsured Motorist Coverage in Iowa
In Iowa, uninsured motorist coverage helps pay for your injuries and property damage when you're involved in an accident with an uninsured driver. Unfortunately, just because insurance is required doesn't mean everyone follows the rules.
Iowa has 8.7% of its drivers uninsured, putting you in harm's way. Uninsured motorist coverage isn't mandatory. However, it's necessary to avoid financial ruin due to someone else's carelessness.
Optional Car Coverage in Iowa
Collision insurance and comprehensive insurance will help pay for damage to your vehicle that occurs from an accident. These limits, among others, are optional and known as full coverage.
You can also add rental car insurance that will reimburse for the use of a rental car due to a covered claim. Roadside assistance can help you if you're stranded and need a tow or a tire changed. Review your options with a local adviser to find what's best for you.
Car Insurance Discounts to Consider in Iowa
In Iowa, a discount on insurance can be found in a few different ways. The first, and probably the most common, is to have more than one policy with the same carrier for a multiple policy discount. A savings of 30% or more is typical.
When you're part of a teachers union or government agency, you may qualify for an association discount. You can also cut costs by sticking with the same insurance company to obtain a loyalty discount.
How to File a Car Insurance Claim in Iowa
Filing a car insurance claim can be overwhelming in the moment, and it's easy to forget what comes next. Follow these simple steps to report a car insurance claim in Iowa.
First, get out of harm's way and tend to any injuries you may have sustained. Next, contact your independent insurance agent to file the claim. Third, obtain your claim number from your agent, and arrange for a rental vehicle if it's necessary and your policy allows it. Last, get a meeting with your assigned adjuster to go over the damage and collect payment for the loss.