Iowa has the dubious distinction of being known as one of the state with the highest number of uninsured drivers in the nation. To protect yourself if you are in an accident with someone who doesn’t have Iowa car insurance coverage, you should consider buying uninsured motorist coverage.
As the name implies, this type of policy pays out if you are involved in an accident with someone who doesn’t have insurance. You would make a claim to your own insurance company for your medical bills, lost wages and other expenses incurred due to the accident. The uninsured motorist coverage would also pay for the cost of repairing your vehicle after the accident.
Adding this type of coverage to your existing car insurance policy is easy. All you need to do is let your insurer know you would like to update your coverage to include it, and you can choose a level of protection that you feel comfortable with.
If you are looking for a new Iowa car insurance policy, do make sure that the numbers you are given include this type of coverage as well. The extra amount you have to pay in premiums is worth the money if you are ever in an accident with a driver who hasn’t obeyed state law by purchasing a liability insurance policy.