What are your minimum auto insurance requirements in your state? In Iowa, there is a minimum liability coverage including:

$20,000 of bodily injury or accidental death of one person in any accident
$40,000 due to bodily injury or death of 2 or more persons in any one accident
$15,000 due to injury or destruction of property in any one accident

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!

When you think of it, there are many ways auto accidents can occur. A blown tire, reversing into a wall, falling objects, crashing into another vehicle, and so forth. And even when you are careful, accidents can still happen. A distracted or careless driver can crash into you. Given that we can’t prevent vehicular accidents entirely, drivers need auto insurance for optimal coverage.

Not sure where to start? Here at Sump Insurance, located in Clarinda, IA, we will help you navigate Iowa’s auto insurance landscape. Here are things you should know about Iowa auto insurance.

Auto insurance is mandatory in Iowa State.

You know this, but we will say it nevertheless: auto insurance is mandatory in Iowa, and the state requires you to carry the below minimum coverages:

Bodily injury liability: Pays for medical expenses for injuries caused to third parties in a vehicular accident when you were at fault. The state requires you to carry a minimum of $20,000 for an accident involving one person and $40,000 for an accident involving more than one person.
Property damage liability: This covers property damage to other persons, but not you — for instance, you crashing into their car or reversing into their house. The minimum coverage required is $15,000 per accident.

There are other auto insurance coverage options.

While the state requires mandatory liability coverage, other car insurance policies exist to cover your vehicle against theft, vandalism, falling objects, hail, and other perils specified in your policy. Some of these coverages include:

Collision coverage to pay for damages to your car
Comprehensive coverage to cover your vehicle against theft, fire, and other risks
Medical payments to cover for medical costs arising from a vehicular accident
Road assistance to bail you when stranded on the highway

Auto insurance premium varies

Yes, your car insurance premium won’t be exactly like your friend’s, even though you have the same car model. Car insurance companies in Iowa use the below factors to compute your premium:

Your age
Credit scoring
Your occupation and education level
Marital status
Gender
Zipcode
Claim history

Having the right auto insurance coverage can save you huge bills later on. Thankfully, for Clarinda, IA residents, you can get optimal auto coverage from Sump Insurance. Contact us today, and we shall take care of your car insurance needs.