Which coverage is legally required in Iowa for personal auto insurance?

Liability coverage is a legally mandated requirement for personal auto insurance in Iowa. This type of coverage is designed to provide financial protection to drivers when they are found legally responsible for causing bodily injury or property damage to another party in an accident. The law ensures that individuals can cover the costs associated with injuries and damages resulting from their actions on the road, helping to protect both the insured driver and other road users.

In Iowa, the minimum requirements for liability coverage are set by the state legislature, which establishes a baseline amount that all drivers must maintain to legally operate a vehicle. This is intended to promote financial responsibility among drivers and to ensure that victims of car accidents can receive compensation for their losses.

Other types of coverage, such as comprehensive and collision, while they may be beneficial for vehicle owners, are not legally mandated by the state. Comprehensive coverage protects against non-collision-related incidents such as theft or natural disasters, while collision coverage pays for vehicle damage resulting from an accident regardless of fault. Personal injury protection can also be valuable by covering medical expenses for the insured and passengers, but it is not a requirement in Iowa. Therefore, liability coverage is the correct choice as the legal requirement for personal auto insurance in Iowa.