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What are the minimum requirements for motorcycle insurance in Iowa?

Responsible motorcyclists carry enough insurance to cover any unexpected eventIowa does not have a compulsory insurance law, but the Motor Vehicle Financial and Safety Responsibility Act requires that all motorcyclists (and drivers) be able to prove that they have insurance or show another form of financial responsibility in the event of a motorcycle accident. If a motorcyclist cannot show some form financial responsibility, he risks losing both his license and registration.

Financial responsibility can be demonstrated in the following ways:

  • Having a valid Iowa motorcycle insurance policy.
  • Posting bond with the Office of Driver Services for all charges relating to the accident.
  • An agreement to pay property damage and medical bills resulting from the accident on an installment plan.
  • Submitting official releases of liability from everyone involved in the accident.
  • Providing documentation showing a full settlement of all damages or injuries related to the accident.
  • A warrant for confession of judgment with a damage payment schedule.
  • A copy of civil damage action decision that shows you have no liability for damages resulting from the accident.

This sounds like a lot of options and it may lead you to believe that you don’t really need motorcycle accident insurance in Iowa.

But You Do Need Insurance

If you cause an accident and you do not have insurance, then you are going to have to pay for all of the damages that result from the crash. This can be financially devastating. Accordingly, it is important to purchase accident insurance.

All Iowa motorcycle insurance policies must meet the following minimum requirements:

  • $20,000 bodily injury liability for the injury or death of a single person.
  • $40,000 bodily injury liability for the injury or death of two or more people.
  • $15,000 property damage liability coverage.

Hupy and Abraham fights for the rights of motorcyclists. To learn more about your rights after a bike crash, please request a free copy of The Ultimate Guide For Motorcycle Accident Victims or contact our office at 800-800-5678 to schedule a free consultation. Additionally, you can browse our website for more tips and resources for riders.

Jason F. Abraham
Managing Partner, Hupy and Abraham