What To Look For In A Full Coverage Automobile Insurance Quote In Iowa
Unless your automobile is being financed the only type of automobile insurance you are required to have in Iowa is liability coverage. Liability insurance pays for medical expenses (bodily harm) and for property damage (generally the repair of a vehicle) for the other party if you are involved in an accident and it is determined that you are at fault.
In Iowa the minimum amount of liability insurance that you need to buy is what is typically referred to as 20/40/15 liability policy. In other words your liability insurance will cover any one individual for $20,000 in bodily injury with a total of $40,000 coverage for any one accident, plus your insurance will pay $15,000 for property damage.
Given current prices for hospital stays and medical treatment and the cost of replacing even a moderately-priced new car, these minimum amounts for liability coverage could be considered woefully and dangerously out of date.
In order to have full coverage automobile insurance you need a great deal more than simply liability coverage. In addition to liability insurance you will also need medical...
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