Iowa asks that all motorcyclists provide proof of financial responsibility following an accident instead of before one. Iowa is an "at fault" state, which means that if you cause an accident, your insurance will pay the other party. However, you will be required to provide proof of financial responsibility.
What Proof?
Heimgartner Insurance Inc in Sioux City, IA can help you keep track of the proof you’ll need:
• Cash or a cashier’s check made out to the Office of Driver’s Services,
• Releases from the parties in the accident,
• The result of a civil suit relieving you of responsibility in the accident,
• The filing of an agreement to pay for the damages by installment plan,
and many more. You should also know these things about motorcycle insurance.
The Circumstances
Drivers might be asked to provide proof of financial responsibility if:
• they are operating a vehicle while under the influence of drink or drugs,
• their license has been suspended,
• the driver is a habitual offender,
• the driver has multiple out-of-state moving violations.
What Else Should You Know About Iowa Motorcycle Insurance?
The statute of limitations on bodily injury from a motorcycle accident is two years. Medical experience proves that an injury doesn’t show up immediately, and both insurance and the law take that into account.
Some bikers are the victims of hit-and-run motorists. Since these are clearly at-fault drivers, the motorcyclist’s injuries are covered under their uninsured motorist coverage.
An interesting aside is that a lay-up policy covers a bike that’s parked in the garage during winter weather when it’s unsafe to ride. It drops coverage to just comprehensive and is thus cheaper.
We Are Here To Help
Motorcycle insurance is a bit more involved than simple car insurance. Heimgartner Insurance Inc in Sioux City, IA will walk you through it when you call or drop in to ask about it.
