What are your minimum auto insurance requirements in your state? In Iowa, there is a minimum liability coverage including:
Why Do States Put These Mandates in Place?
States put insurance minimums in place because those are the lowest numbers of injury, accidental death, or loss of property that the legislature believes should be covered in the event of an accident.
Remember, insurance was created to pay any liabilities you may incur due an accident that was due to your own negligence or some mishap due to your fault or misjudgment.
Iowa is a "fault" state, meaning the state does hold you responsible for your poor driving, but not the other driver. So you only pay if it is your fault. But unless you are a perfect driver, there is still a risk involved that threatens your financial situation.
Sump Insurance strives to help you cover not only the minimum state-mandated insurance requirements but also any other insurance coverage that you feel you need to protect your financial situation.
A good question to ask is: "Could I afford to lose the amount of money I might lose if I had a car accident taking this person with me to work or if I wrecked someone else’s car on the way home from ball practice, for example. Thinking of insurance as more than the paperwork you sign to get a policy is the first step. It’s important to think about the practical day-to-day applications of insurance that you might encounter, given the types of risks you have on a regular basis, to see how much insurance you might actually need.
Who is Sump Insurance?
Sump Insurance in Clarinda, IA services the Clarinda area and surrounding regions. We are experienced and friendly and we have the knowledge and expertise to get you covered for the most important risk areas you have and make sure you are meeting the minimums.
Contact Sump Insurance today and let us advise you on how to make sure you have the insurance you need to get you going down the road again with confidence!