You could walk away from a car crash with a ding on your bumper or something much more severe. Your rights as a victim remain unaffected. Iowa vehicle insurance is all detailed here. Make sure to click here to get help.
Driving while at fault is common in Iowa
Even at the most fundamental level, knowing how damages (the money you might get after an accident) function is vital.
The negligent motorist in an Iowa vehicle accident who caused your injuries should be held financially liable for your medical expenses and any property damage you sustained.
You can get your money back in three different ways:
- Claim with the insurance provider of the negligent party;
- Subrogate your claim to the other driver’s insurance by filing a claim with your own insurance company;
- Have your own insurance company handle the claim and have them submit a third-party claim against the other driver’s insurance.
Bring a case for damages to the party responsible for your injuries. When everything else fails, consider a personal injury lawsuit. This will only occur if your claim is more than the policy’s maximum or if the applicable insurance policies do not cover your claim.
Coverage needs for Iowa liability insurance
All drivers in the state of Iowa must carry insurance against monetary loss, physical harm, and death.
Proper insurance for drivers includes:
- Each accident’s property damage coverage is $15,000.
- $20,000 for each person’s injuries and fatalities
- For each accident, $40,000 in total blame for injuries or deaths
When it comes to automobile accidents in Iowa, your insurance coverage will kick in to pay any losses that go beyond what the at-fault driver’s policy can handle. You have the option to sue the negligent motorist for personal injuries if your expenses are not adequately compensated.
How can I go about submitting an insurance claim or legal action?
You must demonstrate that you are deserving of compensation. To get a payout from an insurance company, you must establish two things:
- Relationship between events
The accident evidence (police report, witness statements, etc.) must prove that the negligent driver was the one who caused the accident and that your injuries were a direct result of that accident.
Changes to the comparative blame rule in Iowa
In Iowa, the 51% rule—a modified comparative fault system—is used. Each party will be assigned a percentage of blame after the insurance companies or the court reviews the evidence. Even when the plaintiff was not directly responsible for the accident, they may still be held partially liable if it had been determined that they had taken some action differently to prevent the incident.