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My car was totaled and I was seriously injured when a drunk driver crashed into my vehicle in Cedar Rapids. I have a pile of hospital bills and I need a new car. Who pays for accident damages in Iowa?

Iowa, like most states, uses the “fault” system when determining liability for a car accident. The driver who is considered legally at fault for an accident is liable for the resulting injuries and any property damage. Their insurance company must pay the accident damages.

To file an Iowa auto accident claim, you may do any of the following:

  • File an accident claim with your own insurance company.
  • File an accident claim with the at-fault driver’s insurance company.
  • File an Iowa injury lawsuit against the at-fault driver.
  • Contact a Cedar Rapids car accident lawyer.

“Fault-based liability” doesn’t mean that you automatically get compensation just because the other driver was impaired. In order to recover insurance compensation for your injuries and property damage, you must show that you have monetary damages from the accident. You must also prove to the insurance company that the other driver caused the crash—and that you did not cause the accident. If the insurance company believes that you were partly at fault, they will assign you a percentage of the blame. Your settlement will be reduced by that amount.

A Cedar Rapids car accident attorney can help you prove fault, document your injuries and determine the value of your claim. To learn more about how an Iowa personal injury lawyer can help you protect your accident claim, request a free copy of The Ultimate Guide For Automobile Accident Victims or contact Hupy and Abraham at 800-800-5678.

Jason F. Abraham
Managing Partner, Hupy and Abraham