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Nonetheless, while car insurance is not an absolute requirement for drivers in Iowa, it is a convenient and effective way to comply with the financial responsibility law, and many drivers may benefit by purchasing it.
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Iowa’s drivers are not necessarily required to purchase any amount of car insurance to prove their ability to pay for accident-related expenses.
However, some types of coverage may help you to comply with this requirement may decrease the amount of money that you must pay out of your own pocket.
As you explore the coverage options, consider the benefits that these common auto insurance types may provide to you:
Keep in mind that you can choose which of these coverages you want to buy as well as the limits that you desire.
Any expenses not paid for by your coverage will be your responsibility, so it may be in your best interest to buy the most protective type of auto insurance coverage that you can afford and that makes sense to purchase.
The types of liability insurance mentioned here will help you to comply with Iowa’s financial responsibility law.
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Auto insurance is not legally required in Iowa, but many drivers prefer to buy coverage to comply with the state’s financial responsibility law.
The auto coverage that you buy should include benefits that pay for liability expenses, such as bodily injury liability and property damage liability.
You may also purchase additional coverages, such as comprehensive insurance, GAP insurance, and others that can decrease your out-of-pocket expenses related to an accident.
Within 72 hours of being in an accident, in most cases, drivers are required to prove financial responsibility and to file an accident form with the state.
Showing your insurance coverage is one of the easiest ways to prove financial responsibility, but there are other options available. For example, you can bring a cashier’s check or money order in the dollar amount of the accident’s damages to the Office of Driver Services.
In the event you are not able to prove financial responsibility, your driver’s license and registration will immediately be suspended.
You will not be able to legally drive again until you get your license and registration reinstated.
SR-22 insurance may be required to reinstate your license and registration in the future, and this could increase the cost of coverage going forward.
Drivers in Iowa should consider the benefits associated with purchasing auto insurance even though it is not a legal requirement. It can be used to help you comply with the financial responsibility requirement as well as to pay for accident-related expenses.
If you choose to buy auto insurance, ensure that your coverage types and limits meet your needs.
If you have never purchased auto insurance in Iowa, you may be wondering what the necessary steps are to get the coverage you need.
Initially, you need to determine what type and amount of car insurance you want to buy, and you should spend time learning more about the coverage types available before you make this determination.
You also need to choose which providers you want to reach out to for a quote. Ideally, you will request quotes from at least three different car insurance companies, and these companies will be financially sound and have a great reputation in the industry.
The internet is a great resource to use when you want to learn more about different auto insurance companies.
You can request car insurance quotes online to save time and effort with this process. When you request quotes for similar coverage types and amounts, you can quickly determine which quote is the best deal available.
Remember to repeat this process every six months so that you can easily keep your coverage updated and avoid paying more than necessary for your auto insurance policy.
Get your free car insurance quotes today to find out how much you could save on auto insurance. Enter your ZIP code below to begin.
Auto Insurance Laws