Uninsured & Underinsured Motorist Coverage in Swea City and Estherville, IA

Uninsured and underinsured motorist coverage is not mandatory for Iowa drivers but is highly recommended. Without it, you might have to pay out of pocket for expenses that the at-fault driver’s insurance should have covered. This coverage can also extend to situations where you’re a pedestrian or cyclist hit by an uninsured driver.

Uninsured Motorist Coverage

Uninsured motorist coverage may protect you if you’re involved in an accident with a driver without insurance. Despite laws requiring drivers to carry insurance, many still drive without it. If one of these drivers hits you, uninsured motorist coverage can help cover your medical expenses, lost wages and other damages. This coverage fills the gap, ensuring you’re not left financially vulnerable due to someone else’s negligence.

Underinsured Motorist Coverage

Underinsured motorist coverage comes into play when the at-fault driver has insurance, but their policy limits are too low to cover the full extent of your damages. In Iowa, the minimum liability coverage required by law may not be sufficient to cover serious injuries or extensive property damage. You could face significant out-of-pocket expenses if you’re in an accident with a driver with insufficient coverage.

Underinsured motorist coverage helps bridge this gap by potentially covering the difference between the at-fault driver’s insurance limits and the actual cost of your damages. This can include medical bills, rehabilitation costs, lost income and vehicle damage.

Learn More

Contact Cornerstone Insurance Services for a personalized uninsured/underinsured motorist coverage quote. Our team can provide personalized guidance and help you understand the benefits of these coverages in greater detail.