man reporting a car accident

What Does Iowa’s At-Fault System Mean for Me Following an Accident?

In Iowa, car accident claims follow an “at-fault” system that allows you to seek compensation from a negligent driver’s insurance provider. As we have discussed the steps to take after a car accident, it’s important to take these steps to keep insurance companies honest when they try to protect profits.

How At-Fault Insurance Works

Because of the system in place in Iowa, you must show that someone else was responsible for your harm. When you file a report of the accident with your insurance company, they work with the other driver’s insurance provider to determine liability and the proper amount of compensation for your damages.

As a plaintiff in a car accident case in Iowa, you hold the burden of proof to show liability. The four factors of proving liability include:

  • Showing the driver had a duty of care to keep you safe
  • Showing the driver breached that duty of care
  • Showing causation (the driver did something to cause the accident)
  • Showing damages (your suffered injuries and property damage)

An at-fault insurance claim requires you to go through the other driver’s insurance company for compensation, and they’re not always willing to work with you.

Why It’s Important to Have a Lawyer

Because you are working with an insurance company that’s all about profits, you want to be sure you are protecting yourself through the complicated process. A lawyer understands the tactics that insurance companies use to protect their bottom line and can help you combat them to put your best interests first.

Our Des Moines car accident attorneys go above and beyond when you need us most. At LaMarca Law Group, P.C., we work for the injured. When you sustain harm, know that we’ll put your case on our backs and seek the maximum compensation available to you.

We offer free consultations to help you understand your options. Call our firm today at (515) 705-0233.

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