Iowa and Wisconsin

Iowa and Wisconsin

Non No-Fault States

Kauffman Law Firm is licensed to practice in all courts in Minnesota, Iowa, and Wisconsin.  We actively represent injured persons and their families throughout Minnesota, Iowa, and Wisconsin.  We handle cases ourselves or associate with other lawyers in many other states.  However, insurance laws are not the same in all states.

This section explains how auto or truck insurance works in Iowa and Wisconsin.  For an explanation of how auto or truck insurance works in Minnesota, see, Minnesota No-Fault:  How No-Fault Works.

Layers of insurance coverage in non-auto cases are similar.  Further discussion, see:  Property/Premises Accidents.

Iowa and Wisconsin are Not No-Fault States

Unlike Minnesota which requires all owners and drivers of cars or trucks—not motorcycles—to purchase Minnesota No-Fault Auto Insurance, Iowa and Wisconsin are NOT No-Fault states.  Your Iowa or Wisconsin auto or truck insurance policy does not include No-Fault Insurance.  However, auto or truck insurance policies issued in Iowa and Wisconsin usually have Medical Pay Insurance.

R:  Indicates the coverage is required.
O:  Indicates the coverage is optional.  You can choose the coverage for an extra charge.

1. Property Damage Liability Insurance (PD)/Collision:

R:  Your Iowa or Wisconsin auto or truck insurance policy must include Property Damage Liability Insurance (PD) which pays for damages to the other vehicle or property if an accident is your fault.

O:  Collision Insurance pays for damages to your own vehicle caused by an accident, no matter who is at fault.

Collision Insurance is optional in Iowa or Wisconsin.  You should talk to your insurance agent about whether you need Collision Insurance.

2.  Medical Pay Insurance:
General Principles of Medical Pay Insurance

O:  Your Iowa or Wisconsin auto or truck insurance policy may have Medical Pay Insurance.  Medical Pay Insurance benefits are paid by your own auto or truck insurance company no matter who is at fault.  Medical Pay Insurance:

  • Covers Medical Expenses only
  • Incurred as a result of personal injury or death
  • Arising from the maintenance or use of a car, truck or motorcycle
  • Usually limited to $1,000 or $5,000 per accident
  • Insurance policies may be “stacked” for multiple benefits*

*Wisconsin law does not allow “stacking”.
*Iowa law allows “stacking”, but insurers may prohibit “stacking” in their policies.

Medical Pay Insurance is often available in all three states for non-auto related accidents, such as Motorcycle Accidents, Farm Accidents, Accidents on the Property or Premises of Another, or Dog Bite Accidents.

Medical Pay Exclusions

Medical Pay Insurance does not include:

  • Property Damage **
  • Loss of earnings***
  • Pain, suffering, disability, disfigurement, scarring or emotional distress**

See our generic Jury Special Verdict Form.

** O: Your Iowa or Wisconsin auto or truck insurance policy may have Property Damage Insurance (PD)/Collision.  See:  1.  Property Damage Liability Insurance (PD)/Collision above.

*** These losses are recoverable from other coverages.  See below.

3.  Bodily Injury Liability Claims (BI)
Against Another Owner or Driver:
No Thresholds Required

R:  Your Iowa or Wisconsin auto or truck insurance policy must include Bodily Injury Liability Insurance (BI).

In Iowa and Wisconsin, you may make a Bodily Injury claim (BI) beyond Medical Pay Insurance against another owner or driver’s insurance policy if:

1.   You prove that the accident was caused by the fault of another owner or driver, and

2.  You are not required to meet a threshold as required under Minnesota No-Fault law.

3.  You may be entitled to the following Recoverable Losses:

  • Past pain, suffering, disability, disfigurement, scarring or emotional distress
  • Reasonable medical expenses
  • Loss of earnings
  • Future pain, suffering, disability, disfigurement, scarring or emotional distress
  • Future medical expenses
  • Future loss of earning capacity

See our generic Jury Special Verdict Form.

Minimum Bodily Injury Insurance (BI) coverage:

Iowa$20,000/$40,000Required

Wisconsin$25,000/$50,000Required

4. Uninsured Motorist Insurance (UM):

R:  Your Iowa or Wisconsin auto or truck insurance policy must include Uninsured Motorist Insurance (UM).

UM covers losses similar to Bodily Injury Liability Insurance when the at-fault party has no Bodily Injury Liability Insurance to cover your losses.  In other words, your own Uninsured Motorist Insurance  (UM) takes the place of Bodily Injury Liability Insurance for the at-fault party who had no insurance.

Minimum Uninsured Motorist Insurance (UM) coverage:

Iowa$20,000/$40,000Required but may be rejected by insured in writing

Wisconsin$25,000/$50,000Required

5.  Underinsured Motorist Insurance (UIM):

R:  Your Iowa and Wisconsin auto or truck insurance policy must include Underinsured Motorist Insurance (UIM).

UIM covers losses similar to Bodily Injury Liability Insurance when the at-fault party has not enough Bodily Injury Liability Insurance to cover your losses.  In other words, your Underinsured Motorist Insurance (UIM) provides insurance in addition to the Bodily Injury Liability Insurance limits of the at-fault party:

Minimum Underinsured Motorist Insurance (UIM) coverage:

Iowa$20,000/$40,000Required but may be rejected by insured in writing

Wisconsin$25,000/$50,000Required but may be rejected by insured in writing

6.  Umbrella Insurance:

O:  Umbrella Insurance may provide coverage in addition to the following coverages:

Medical Pay Insurance
Liability Insurance/Uninsured Motorist Insurance (UM)
Underinsured Motorist Insurance (UIM)

The at-fault party may have Umbrella Insurance.
Your Iowa or Wisconsin auto or truck insurance policy may have Umbrella Insurance in the form of UIM Insurance.

Umbrella Insurance is optional in Iowa or Wisconsin.  You should talk with your insurance agent about whether you need Umbrella Insurance.  This provides coverage for you and your family in the event the at-fault driver has not enough insurance to cover your losses.

Let Us Handle Your Insurance Coverage

Interpreting and applying different types of auto or truck insurance may be complex and time consuming.  The insurance companies have much more knowledge and experience in interpreting and applying different types of insurance than you have.  However, Kauffman Law Firm interprets and applies different types of insurance every day.

If you or a loved one have been injured in a car accident or truck accident in Iowa or Wisconsin, you need to concentrate on one thing — getting on with your life.  Let our experienced team handle the insurance paperwork including claim forms, reports, authorizations, requests for recorded statements and Defense Medical Examinations (DMEs) involved in different layers of auto or truck insurance coverage.
See, What To Do In Case Of An Accident?

Free Consultation

We offer a free consultation, so you have nothing to lose by contacting us first.
For a free consultation:

Email us at contactus@kauffmanlawfirm.com or

Call us at 507-285-5350 or 877-285-5350

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