What insurance coverage do drivers need in Iowa City?

One of the reasons auto insurance exists is that civil courts have allowed lawsuits against negligent drivers for compensation.


Iowa City, Iowa – Drivers in every state will need some sort of insurance coverage to legally drive their car on government roads. This is primarily done to protect the public from driver error or misconduct on the road. If a driver causes damage or injury, it is likely that they will be sued and their insurance company will have to pay compensation to cover the losses. after the accident. Persons involved in an accident in the Iowa City area should contact their attorney for information on insurance claim legal process and prosecution.

Insurance Laws for Iowa City Drivers

Iowa state law applies to all drivers in Iowa City and other cities. Local law does not change car insurance requirements.

In Iowa, all drivers require liability insurance to pay for any damage or injuries they cause. This includes at least $20,000 of bodily injury or accidental death coverage, at least $40,000 of coverage for car accidents where two or more people are injured or killed, and coverage of at least $15,000 for property damage. The state’s commercial insurers will all have at least these minimum requirements built into the policies they sell.

Lawsuits against negligent drivers

Ordinary view: Man opening a bottle at the wheel; image by energe.com, via Pexels.com.

One of the reasons auto insurance exists is that civil courts have allowed lawsuits against negligent drivers for compensation. This means that the driver who caused the damage will have to pay for it if found guilty. Realistically, drivers may not be able to cover thousands of dollars of damage with their own money, so the insurance company will pay for those losses for those who have paid into their coverage. This system helps to ensure that owners and victims will not be stuck with the costs of damage caused by bad drivers.

This means that people who have been affected by a negligent driver should get legal help. A civil injury case is usually the only way to get a settlement that will cover medical care, lost wages, and other types of damages. The victim may also receive compensation for non-economic losses related to their trauma and physical pain. In cases involving reckless or malicious behavior, punitive damages may be awarded against the defendant.

More information on filing a complaint

There are lawyers who help people after all kinds of accidents in the Iowa City area. Eells and Tronvold Law Offices is a firm that is available to provide advice during a trial.


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Justin D. O'Neill