In Iowa, you can purchase uninsured and underinsured motorist coverage. Uninsured motorist coverage will provide payment for damages that were sustained as a result of the wrongful acts of an uninsured driver. Underinsured motorist coverage provides payment for damages sustained as a result of the wrongful acts of a driver who does not have enough insurance to cover your damages.
Uninsured and underinsured motorist coverage is available from your automobile insurance agent. I have found it to be a very important coverage to have. I have seen that over the years, it has become more frequent that individuals have sustained injuries as a result of the negligent acts of drivers who either don't have any insurance whatsoever or who have very low limits. In these situations, it is very important to have this additional coverage so that medical expenses, lost wages, and pain and suffering damages can be recovered fully by pursuing an uninsured or underinsured motorist claim.
It is important to review these matters with your automobile insurance agent as well as an attorney to make sure that you have sufficient coverage in case your are involved in an automobile accident.