Iowa Auto Insurance

If you will look for the auto insurance policies across the USA, then one state really stand out in terms of offering citizens the lowest price on these insurance policies which is Iowa. Experts have even predicted that the cost for auto insurance will decrease next year in Iowa. With Iowa auto insurance rates expected to decrease, its becoming really important for you to buy one. But wait! Before you buy Iowa auto insurance, it’s always better for you to know more details about it. There are certain laws and regulations are there for Iowa auto insurance. Knowing these regulations will allow you to determine the right policy for yourself. Like other auto insurance policies in different states, Iowa auto insurance are also comprises of minimum coverage requirements, state requirements and proof of insurance like subjects. Knowing these elements can really assist you in a better way to find the best Iowa auto insurance.

Iowa auto insurance minimum coverage

In Iowa people use to enjoy a lower rate on auto insurance policies. However, minimum state insurance requirements are there, and you cannot abide them while buying an auto insurance policy at Iowa. As per the Iowa state law, drivers in the state needs to carry a minimum amount for Bodily Injury Liability. Drivers need to carry $20,000 as bodily injury coverage per person and the amount can move up to a sum of $40,000 per accident. With addition to that the drivers in the state are also required to carry minimum coverage of $15,000 for property damage. All you need to keep in mind that these are the minimal requirements for having Iowa auto insurance. However, you can get more than the minimum coverage amount to enjoy more benefits with your auto insurance policy in Iowa.

Iowa auto insurance proof

Drivers in this state may require exhibiting the proof of their auto insurance policy. This is also required to show your proof for financial responsibility. This sort of proof will vary to a great extent. You may need to offer a huge amount of cash to the Iowa Office of Driver Services. In most of the case, you will need to sign the statement through which you will agree to pay the required amount as the cost for damages occurred with other party’s property. This sort of statement will also cover the cost that you need to pay when the other person is injured due to the accident where you are at fault. It’s the time when you will require showing the proof of auto insurance. If you have committed an accident then it may cause more than $1,000 for the damages occurred with other party. You are not supposed to show the proof of financial responsibility if you have been stopped by police, or your vehicle has been driven without your consent or if there is no damages occurred after the accident.

Iowa Auto Insurance

Iowa PIP coverage

As already mentioned, Iowa is the state where you will find low cost auto insurance easily. There is hardly any need to carry the PIP or the personal injury protection with your auto insurance. But it’s always wise to have the PIP with your policy. PIP can cover really necessary medical expenses for you and for the passengers who are involved in the accident. These expenses also include the lost wages and the funeral costs and it lasts for a time of three years after actual date of accident.

Iowa auto insurance UM/UIM coverage

Additionally, you can opt for the uninsured and underinsured coverage for your policy. This sort of coverage can be taken due to the bodily injury that has been caused by other uninsured or underinsured driver. This is not required by the Iowa state law, yet adding such coverage can be a smart choice while looking for Iowa auto insurance policy.

Iowa's Tort system to determine fault at car accident

It’s the state of Iowa where the Tort system has been followed. This exactly suggests that someone needs to be at the fault zone during the accident. Under the Tort system, the person who will be found as the fault party for the accident, his or her insurance company will be responsible to pay for all the damages for both the vehicles. Due to the use of Tort system in Iowa, you may need to buy such auto insurance policies that you can pay for and at the same time you need to look for adequate amount of protection. If you are not having enough coverage, or you have followed the minimum coverage requirements, then you may need to pay more than your budget for the medical expenses and the damages occurred with the property. If you have been found as the fault party for the accident, then things can really become worst for you. So, always take more coverage with the Iowa auto insurance.

DUI/DWI laws in Iowa

It’s the state of Iowa where the Tort system has been followed. This exactly suggests that someone needs to be at the fault zone during the accident. Under the Tort system, the person who will be found as the fault party for the accident, his or her insurance company will be responsible to pay for all the damages for both the vehicles. Due to the use of Tort system in Iowa, you may need to buy such auto insurance policies that you can pay for and at the same time you need to look for adequate amount of protection. If you are not having enough coverage, or you have followed the minimum coverage requirements, then you may need to pay more than your budget for the medical expenses and the damages occurred with the property. If you have been found as the fault party for the accident, then things can really become worst for you. So, always take more coverage with the Iowa auto insurance.

• Operating a vehicle
• Driving under the influence of alcohol or drug
• Having BAC .85 or more than that

First offense:

• Serious Misdemeanor:
• You may get punishment for one year jail and the fine amount may go up to $1,500
• Mandatory Minimum Penalty:
• You will have to stay at jail for two days and the fine will be $1,250. Additionally you need to pay 32% of the government surcharges such as $400.

Second offense:

• Aggravated Misdemeanor:
• The accused driver may go for prison up to two years and he or she may require offering the fine up to $5,000.
• Mandatory Minimum Penalty:
• You will be put into the jail for seven day and the fine amount may go up to $1,850.