Iowa car insurance requirements are not extensively high. The minimum requirements are listed as 20/40/15. What this means is that you must have bodily injury and property damage insurance on your registered vehicles. 20 stands for $20,000 in bodily injury coverage. This is per individual per accident. This covers medical expense, and hopefully an expense that you would not want to ever see, funeral expenses in the case that there is a fatality resulting from your accident.
40 stands for $40,000 in bodily injury coverage. This is for the same type of expenses but this is the cap that can be covered for all persons injured in a single accident. With the average hospital stay per day bringing a whopping bill of a minimum of $10,000, a week stay for a severe accident will wipe this out in no time. Anything above and beyond what you have purchased in insurance coverage will be your responsibility to pay out of pocket. As you can see this could easily bankrupt you.
The final number, 15, is for $15,000 in property damage coverage. This is very small portion of the costs that may be incurred if you have an accident. Again, anything above and beyond the amount you will have to pay out of your own coffers.
If nothing else, the possibility of how much more this will cost you in the long run is worth the little added expense of a more comprehensive car insurance policy.
You will need to show proof of insurance if you are pulled over by an Iowa law enforcement officer. If you do not have this proof, you will need to bring the proof to court that you had coverage at the time of your citation. If you did not have insurance you will receive a fine and can have not only the registration on your Iowa car registration suspended, but you may have your Iowa driver’s license suspended as well. If this happen often enough you will have your privilege to drive revoked altogether.
Iowa car insurance not only protects you but it protects your interests. The problems that would arise from not having insurance when you have an accident are not worth the risk, no matter how enticing the “savings” may be. In the long run, it will cost you much more.
Iowa is known as the food capital of the world. Rich in agriculture and history the state is one of the leading suppliers of corn in the nation. Rolling hills flow throughout the states geography. The heartland is a beautiful scenic venture for those driving down its highways. Take a trip to see the splendor of natural lakes that populate the countryside. Perhaps this is the landscape Katharine Lee Bates referred to when he wrote the words singing of “Amber waves of grain”, in the poignant song America the Beautiful. This song was originally a poem written for her church newspaper. Later, Samuel A. Ward composed the music for it. This song gave us a lofty tribute to a country that is resplendent with visual diversity from one end to the other. Even with all this wondrous beauty, we must still deal with the realities of what driving these roads entails. Just make sure you compare quotes online and get cheap car insurance in Iowa before heading driving around here.