What if the responsible party does not have enough insurance?
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Answer:

Being involved in a car accident with an underinsured driver is getting more and more common. Iowa's insurance laws regarding cars and motorcycles only require $20,000 of coverage per person and $40,000 total per accident. If the responsible party does not have enough insurance to pay for your damages, then you may a claim under your own "underinsured motorists' coverage." However, there may be requirements under your own policy that have to be met in order for you to make a recovery under your insurance policy. Obviously you can't choose who you get into an accident with, but this is one of the many reasons driving safe should be a top priority when you are out on the road.

You might want to check your own insurance policy to see if you have underinsured motorist coverage, as you can protect you and your family by buying underinsured motorist coverage for only pennies a day. Underinsured motorist coverage provides coverage to pay for medical bills, lost wages along with injury and permanent disability caused by a car accident.

To learn more about Iowa car insurance request our car insurance report at no cost by going to http://www.IowaInsuranceLaw.com. For our Iowa car accident book go to http://www.IowaCarAccidentBook.com which is available at no cost, risk or obligation.

(WARNING: THESE ARE GENERAL STATEMENTS AND ARE NOT INTENDED AS LEGAL ADVICE OR LEGAL OPINIONS. IF YOU THINK THAT YOU HAVE AN EMPLOYMENT LAW CLAIM THERE ARE DEADLINES WHICH CAN BE AS SHORT AS ONLY A FEW DAYS TO FILE A GRIEVANCE OR ONLY A FEW MONTHS TO FILE A COMPLAINT WITH THE CIVIL RIGHTS COMMISSION OR EQUAL EMPLOYMENT OPPORTUNITY COMMISSION. IF YOU THINK YOU HAVE AN EMPLOYMENT LAW CASE THEN YOU SHOULD CONSULT WITH AN ATTORNEY RIGHT AWAY.)