Auto Insurance
On the Market for Auto Insurance
Auto insurance benefits you because you are always at risk of being involved in an accident when you are behind the wheel. You will also pay less in the event an accident was to occur. Auto insurance will also protect you against any lawsuits and overall give you peace of mind. We can get you protected here at Clemens Agency in Iowa if you are on the market for auto insurance.
Laws & Minimum Insurance Requirements
First and foremost, you should be aware that Iowa is not a no-fault state. This means that if you have involved in an accident that is not your fault, you would be able to file a claim against the insurance company of the other driver. With that in mind, you should make yourself aware of the state's requirements for car insurance. You must have at least bodily injury protection of $20,000 for each person and bodily injury protection of $40,000 for all people. You must also carry at least $20,000/$40,000 for uninsured/underinsured motorist protection.
Additional Coverage
Liability is just the minimum that you do not have to settle with. If you feel the need to take on additional car insurance coverage, you can choose from any of the following:
- Comprehensive coverage- This policy will protect you from damages that are caused by theft, vandalism, and even hurricanes, tornadoes, and other natural disasters.
- Collision coverage- This policy will cover you from damages that occurred after an accident took place with your vehicle.
- Medical- Medical coverage will help cover the costs of medical bills for both you and your passengers if an accident were to occur.
- Personal injury coverage- This coverage will cover you for the loss of income that occurred as a result of an accident.
Visit Us Today
Visit us by going to our Clemens Agency website for a quote today. Our main duty is to protect all drivers in the state of Iowa.
