Iowa Accident Policy
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How to fill out Accident Policy?
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FAQ
No, personal injury protection (PIP) is not required in Iowa. PIP is not even available in Iowa. Instead of PIP insurance, Iowa insurance companies offer medical payments insurance (sometimes called MedPay), which helps with hospital bills resulting from a car accident.
No, Iowa is not a no-fault state. Iowa is an at-fault (or tort) state. That means the driver who causes an accident uses their insurance to pay for the other driver's bills from the collision. Police and insurance companies use the available evidence to decide who is at fault for the accident.
If a car accident results in injury or death, or if it causes total property damage to an apparent extent of $1,500, any driver involved in the crash must file a written report of the accidentwithin 72 hoursto the Iowa Department of Transportation on an official form, a copy of which can be downloaded from the Iowa
In the state of Iowa, minimum insurance requirements require only liability insurance. There are several other types of insurance from which motorists may benefit. The law does not require motorists to carry comprehensive and collision coverage.
The 12 states that have no-fault insurance laws are: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.
You must report the collision to the police if you were unable to exchange details at the scene, if anyone was injured, or if you suspect that the other person may have committed a driving offence.
Insurance companies in Iowa have 75 days to settle a claim after it is filed. Iowa insurance companies also have specific timeframes in which they must acknowledge the claim and then decide whether or not to accept it, before paying out the final settlement.
Generally, if the collision is very minor you may not need to contact the police or the police may determine that an investigation is not necessary. If someone is injured or if there is more than $1,000 in property damage, you must file an accident report with the Iowa DOT's Office of Driver Services.
Reporting an accident The driver involved in an accident occurring anywhere within the State of Iowa causing death, personal injury, or total property damage of $1,500 or more should contact the nearest law enforcement agency to have the accident investigated.
