How much auto insurance do you need in Iowa?

The state of Iowa leads the way in education. Would you also believe that the Hawkeye State is also number one when it comes to insurance? You may have a variety of policies to choose from in Urbandale IA, which could lead to confusion. Which plan is best for your lifestyle? How much auto insurance do you need to be in compliance with state law? BLC Insurance can help!

Iowa Auto Insurance Requirements

The Hawkeye State has very specific stipulations surrounding indemnity coverage for automobiles. You must have an assurance plan to legally operate a vehicle in the region, and such plan must meet the following requirements:

  • $20,000 minimum coverage per person;
  • $40,000 minimum coverage per accident;
  • $15,000 minimum coverage for property damage. 

Iowa may also require residents operating vehicles in the state to have uninsured motorist coverage that pays at least $20,000 per person injured in an auto accident while providing a minimum of $40,000 overall coverage per incident. It is possible for Urbandale, IA drivers to reject uninsured motorist coverage as long as they return a form stating their desire to go without such plan to their indemnity provider. 

Should You Go Without Uninsured Motorist Coverage?

While every situation is different, it is generally a good idea to have an auto insurance policy that pays for all accident scenarios that could occur on the road. You run the risk of having to pay a substantial amount for repairs and bodily injury out of your pocket if someone rear-ends you and lacks the proper insurance to pay for the incident.

Still, it is best to discuss matters of indemnity coverage with an experienced agent who can thoroughly explain policy limits and other factors pertaining to auto coverage. Let a professional from BLC Insurance find the plan that works best for you today!

Filing Complex Auto Insurance Claims

Auto insurance claims of any degree are difficult to file if you are not sure how to go about the process. The first step of any claim is to take the time to report the incident. If you live in the Urbandale, IA area, the agents with BLC Insurance can help you organize and file your claim for the most efficient results.

The first step of any claim is to make sure you document the incident. If it is an auto accident, you want to take the time to call the police and have them make a formal report. You also want to make sure the accident is photographed and that it is documented well both at the scene and, if you have any injuries, when you reach the hospital. If you are dealing with something like vandalism you also want to make sure your incident is well photographed so that the insurance adjuster can get the best idea of the damage and of what happened.

The second step is to contact your insurance agent or agency. They will provide you with the documents, the files, and the proper channels that need to be followed in order for you to file your claim. You are going to most likely need to meet with an adjustor, so you need to make sure you contact your agent so you can set up the meeting.

The last step is to follow through. If your agency needs more information, be sure to provide it. You may have court dates or other meetings you need to make. Make sure you go through with all the steps and that you keep in contact with your agent through the process. If you live in the Urbandale, IA area, the agents with BLC Insurance can help with each and every step of the process. Contact us by phone or stop by our office to set up an appointment with an agent today!

Frequently Asked Questions About Excluding a Driver From Your Auto Insurance Policy

If your spouse has been convicted of drunk driving, has a lot of accidents or has numerous traffic tickets, their bad driving record may weigh on you. Excluding them from your policy can help make your rates more affordable. But what exactly does this mean? Read on to learn more!

When you exclude a driver from your auto insurance policy, you are telling the auto insurance company that that driver will never drive your car. This helps to give the auto insurer peace of mind that the poor driver will not be driving your vehicle, and thus, they may ensure that bad driver’s record does not affect yours.

The downside to excluding a driver from your policy is that they are not covered when driving your car. This means that your husband cannot drive your vehicle to pick your kids up from school or even to move it out of the driveway. If he is excluded and does this, your insurance will not cover any damage he does to your car or another if he is involved in an auto accident.

Excluding a driver you live with, such as your spouse or husband, can help ensure their bad driving record does not affect your auto insurance rates. However, it also prevents that driver from being covered by your auto insurance policy while behind the wheel of your car.

If you are interested in a new auto insurance policy in the greater Urbandale, IA area, contact BLC Insurance. Our professional auto insurance brokers can help you determine why it may be beneficial to exclude or include a driver on your auto insurance policy. Give us a call today to get price quotes with both an included and excluded driver.