What to do after a hit and run in Iowa

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Even with the best auto insurance companies, getting caught in a hit and run in Iowa can be dangerous, costly, and time consuming. These risks are one of the many reasons why most states require auto insurance for all drivers. Iowa, like many states, is a torte state. This means that drivers are financially responsible for the damage they cause with their vehicles.

Things can get complicated, however, when you are the victim of a hit and run. Basic Liability cannot help in these incidents unless the police can locate the driver at fault. As a result, victims may end up paying for their car repairs out of pocket. However, there are certain types of insurance that can help cover hit-and-run costs.

hit and run in Iowa

Hit and run in Iowa is defined by an offending driver leaving the scene of an accident that resulted in bodily injury without first providing their personal information. While hit and run in Iowa is more common than in many states, exact numbers are hard to come by. In 2016, there were 10 hit and run in Iowa that caused at least one death each. In 2019, about 11% of drivers in Iowa were felt to have been uninsured.

The more serious the injuries caused by a hit and run in Iowa, the higher the penalties will be. The hit-and-run law focuses primarily on bodily injury rather than property damage. The more serious the injuries caused, until death, the greater the consequences. Committing a hit and run while you are uninsured can add further levels of infractions, penalties and costs.

Iowa hit-and-run laws

Iowa hit-and-run laws state that the more injuries and damage the accident causes, the more serious the crime of fleeing the scene. Charges can range from misdemeanor to felony, depending on whether the injured parties survive or not. The driver at fault is responsible for the costs caused by material damage or bodily injury.

Beyond Iowa hit-and-run laws, the insurance consequences can also be serious. SR-22 forms may be required, as well as higher levels of coverage. Insurance companies may also be less willing to work with the driver at fault. The companies that will work with them will charge higher premiums. On average, insurance premiums in Iowa can almost double after being convicted of a hit and run.

The impact of hit and run on auto insurance rates in Iowa

Under certain circumstances, being involved in a hit and run can increase the average cost of auto insurance for either driver. The driver at fault will face increased premiums and legal costs if identified by the police. The victim will likely face higher premiums if they have to file a claim on their policy to cover the costs of the accident.

For Iowa hit-and-run drivers, their annual auto insurance premiums increase by an average of $ 1,130, just under double. By comparison, Iowa drivers who are responsible for a non-hit and run accident see their annual premiums increase by an average of $ 471. Insurance companies, like state laws, heavily penalize hit and run.

Average annual premiums for full coverage:

Before a hit and run After a hit and run After an ordinary accident
iowa average $ 1,260 $ 2,390 $ 1,731
national average $ 1,674 $ 3,367 $ 2,405

4 things to do after a hit and run in Iowa

After being the victim of a hit and run in Iowa, there are a few important steps to consider. The first thing, always, is to ensure safety. Below is a list of steps to take after a hit and run in Iowa:

  1. Assess safety and check for injuries. Check yourself and all passengers for injuries. If there are injuries, you can contact the emergency services for an ambulance.
  2. Report to the police. Once safety is assured, contact the police to report the incident. They will want basic information about the incident, you and your vehicle.
  3. Detail and document the scene. If it is safe to do so, document the scene as much as possible. These documentations can be pictures, notes or a combination of the two. Evidence can help both the police and the insurance company.
  4. Contact your auto insurance agent. If you intend to file a claim, it is important to quickly contact your insurance company and provide them with the details you gathered in the previous step. They may also want the ID number from the report you filed with the police. It is important to remember that you will need to pay your hit-and-run deductible when filing a claim.

Will the insurance cover a hit and run?

Although your basic liability insurance (minimum coverage) does not cover a hit and run, some types of auto insurance can work like hit and run insurance in Iowa. Collisions, uninsured motorists, and medical payments are all types of auto insurance that can serve as Iowa hit and run insurance, depending on the insurance company and the specific nuances of your policy.

  • Collision: As the name suggests, this type of coverage is intended to cover costs related to damage to your vehicle as a result of collisions. Unlike the minimum coverage, this insurance pays for your car rather than the others. So even if you are responsible for an accident or the victim of a hit and run, you have insurance to cover your repair costs.
  • Uninsured motorist: Essentially, these policies replace basic liability if another, uninsured driver is responsible for a car accident that injures you or damages your property. If you are the victim of a hit and run, these policies can help cover the costs.
  • Medical payments: While protecting your vehicle is important, protecting your health is even more critical. Medical payment coverage helps pay for medical bills resulting from a car accident.

Frequently Asked Questions

How Much Does Auto Insurance Cost in Iowa?

Prices can vary widely between customers and businesses. In 2021, the average annual cost of a full coverage auto insurance policy in Iowa is $ 1,260. The average annual Iowa cost for minimum coverage is $ 252. For comparison, the annual US average for full coverage is $ 1,674.

Who has the cheapest auto insurance?

Since rates can vary wildly between drivers and businesses, the cheapest auto insurance for one driver may not be the cheapest for another. Consider comparing some of the Bankrate recommendations for the cheapest auto insurance companies in Iowa.

Who Has The Best Auto Insurance In Iowa?

With policies and rates as personalized as they get, it can be difficult to identify a single company as the best when it comes to auto insurance. Experts recommend shopping around for multiple companies to compare quotes and coverage. Consider starting with the Bankrate Guide to the Best Auto Insurance Companies in Iowa for 2021.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:

  • $ 100,000 liability for bodily injury per person
  • $ 300,000 in civil liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.

These are sample rates and should only be used for comparison purposes.

Incident: Rates were calculated by evaluating our baseline profile with the following incidents applied: clear criminal record (baseline), at-fault accident, single speeding ticket, single conviction for impaired driving, and forfeiture of coverage.


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