Hit-and-run accidents in Iowa are dangerous. Expensive and time consuming. Unfortunately, hit-and-runs are on the rise in the United States, and if the perpetrator is never found, the victim can face financial costs for vehicle repairs and medical bills. You can prepare for a hit and run by planning ahead and evaluating your car insurance.

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Iowa Hit and Run

A hit and run in Iowa is defined as an at-fault driver leaving the scene of an accident with property damage or personal injury without providing personal information or requesting the necessary emergency services. . Hit-and-runs are more common in Iowa than in many states, but exact numbers are hard to come by. In 2015 and 2016, there were 30 fatal hit-and-runs in Iowa.

The more serious the hit-and-run injury in Iowa, the greater the penalties. The primary focus of state hit-and-run laws is personal injury, not property damage. The more serious the injury, the greater the possible consequences.

Iowa Hit-and-Run Laws

The Iowa hit-and-run law stipulates that the more injuries and damages resulting from an accident, the worse the crime of fleeing the scene. If the hit-and-run only involves property damage, the perpetrator may be charged with a simple misdemeanor. A hit-and-run involving serious injury or death may be prosecuted as a serious misdemeanor or felony. Drivers who are at fault are responsible for costs incurred either through property damage or personal injury. Penalties and costs can be even heavier if you commit a hit-and-run when you don't have insurance.

Beyond the criminal penalties for hit and run, insurance consequences can also be severe. The DMV may require the driver to obtain her SR-22 filing from the auto insurance company, showing that she has valid auto insurance that meets the state's minimum auto insurance requirements.

How Hit-Run Affects Iowa Auto Insurance Rates

In some situations, being involved in a hit-and-run can cost one driver's auto insurance. costs may increase. Some carriers may refuse to extend coverage to drivers convicted of a hit-and-run. Those who do may charge higher premiums to cover this risk. On average, Iowa insurance premiums can nearly double after being convicted of high-risk driving behavior.

Insurance rates may appear even after a hit-and-run victim is deemed not at fault. If you choose to claim accidental damages from your insurance company, it will rise at the time of policy renewal.

5 things to do after a hit and run Iowa

After being the victim of a hit-and-run in Iowa, there are a few steps you can take to help manage the situation more smoothly.

1. Be safe. Evaluate and check for injuries. Check yourself and your passengers for injuries. If you are injured, it is recommended that you contact emergency services to call an ambulance.
2. Call the police. Once you are safe, contact the police to report the incident. They ask for basic information about the accident, you, and your vehicle.
3. Move the car to a safer location. If it is safe to drive, move to the shoulder.
4. Record and document the scene in detail. If it's safe to do so, document the scene with photos and notes. Evidence can be useful to both police and insurance companies.
5. Contact your auto insurance agent. If you want to make a claim, contact your insurance company immediately to create them using the details collected in the previous step. We may also need the identification number of the report you filed with the police.

Are hit-and-runs covered by insurance?

There is no specific hit-and-run insurance, but there are types of insurance that will cover you if a hit-and-run occurs. Basic liability (minimum coverage) insurance doesn't cover damage to your own vehicle, but it does cover collisions, uninsured drivers, and medical bills if you're the victim of a hit-and-run in Iowa. All kinds of car insurance that can help you.

• Collision compensation:As the name suggests, collision insurance is designed to cover damage to your vehicle from a collision, regardless of your fault. Unlike minimum coverage, this insurance pays for your own vehicle. Even if you are responsible for the accident or hit-and-run victim, your collision insurance may cover repairs up to the policy limit.
• Uninsured Driver Coverage: Essentially, uninsured car insurance protects you against another uninsured driver who injures you or damages your property. It compensates for the basic liability in case of damage. If you're the victim of a hit-and-run, these policies may help keep costs down, but you may need to prove that the other driver didn't have insurance. /li>
• Medical Coverage: Protecting your car is important, but protecting your health is even more important. Medical Expense Cover helps pay for medical expenses for you and your passengers resulting from a car accident, regardless of your fault.

Iowa law requires drivers to cover only personal injury and property damages. Carriers must provide uninsured or underinsured motor vehicle insurance, but can refuse these in writing, as minimum coverage motor insurance is fairly basic in Iowa. , if you're concerned about a hit-and-run, consider a full coverage option for added financial protection.

FAQ

• • How much does a car cost in Iowa?

    Iowa car insurance rates can vary greatly between customers and companies. The average annual cost of full coverage auto insurance in Iowa is $1,254. The average annual cost for minimum coverage in Iowa is $227. For comparison, the US annual averages are $1,771 and $545 for full and minimal cover, respectively.

  • Is hit-and-run a felony in Iowa?

    Sharing Personal Information If you leave the scene of an Iowa accident without driving or calling emergency services, the hit-and-run driver could be convicted of a simple or serious misdemeanor, depending on the extent of the damage or injury. I have. If the victim is killed in an accident, a negligent driver who flees the scene can be charged with a Class C felony.

  • Who has the best auto insurance in Iowa?

    With personalized policies and rates, it can be difficult to pinpoint just one company that is the best for auto insurance. Experts recommend shopping between multiple companies to compare quotes and coverage.Consider starting with Bankrate's guide to the best Iowa auto insurance companies.