Motorcycle Insurance in Iowa

Operators of all vehicles have a responsibility to acquire some type of financial coverage in cases of accidents. All drivers of motor vehicles are required by law to have a state-mandated minimum liability insurance policy for their vehicles to cover property damage or personal injury to a third party. Motorcycle operators, on the other hand, are not required to have insurance in all states, such as Iowa. However, it is required in Iowa that the motorcycle operator has some type of financial responsibility documentation. Failure to present this at the time of an accident can result in penalties such as license and/or registration suspension or revocation.

The reason that motorcycle insurance is not required in Iowa because in most cases motorcycle operators are the ones that suffer injury when in collision with another vehicle, even another motorcycle. However, it is the smart motorcycle operator who obtains some type of personal injury protection to cover their medical expenses if and when they get injured in motorcycle accidents.

It should be noted that insurers of motorcycles are not always falling all over themselves to make payouts when accidents do occur. According to the website of Habush Habush & Rottier S.C. ®, Iowa has no helmet law, so this is a common disqualifier for insurance claims if the policyholder was injured while not wearing a helmet. Lack of a Class L endorsement or headlights may also result in a denial of an insurance claim. Whatever the circumstances, it is highly probable that the insurer will strive minimize or deny a payout.

This can be a big problem in cases of serious injury because even if the motorcycle operator is not at fault, it can take some time for the at-fault party or the insurance company to pay for medical expenses and/or property damage and other losses. If you are having difficulty making a motorcycle insurance claim in Iowa, be sure to consult with an experienced Iowa motorcycle accident lawyer to assist you.

Determining your Risk for Rollover Accidents

Rollover accidents can happen with any vehicle given the correct set of circumstances, but experts agree that certain types of vehicles are more prone to rollovers than others. Sedans are typically low with a wide wheelbase with a center of gravity (COG) close to the ground, so it is much harder for them to rollover. Sport utility vehicles, on the other hand, typically have a narrow wheelbase compared to its height, so the COG is also high, making it easy to tip over even when there is no triggering incident i.e. jumping a curb.

To illustrate, think of a sedan as a plate and an SUV as a tall, narrow juice glass. A glass can fall over if the wind is strong enough while a plate will stay put; this is because the COG of the glass is high. However, not all high vehicles are prone to rollovers. It all depends on the design.

So how will you determine if your vehicle carries a high risk of rollover accidents?

You can do the research for your particular vehicle model. Some insurance companies will price insurance on cars that have a high risk of rolling over higher than on those that don’t.

Injuries associated with rollover accidents are generally serious, and can have a significant effect on a person’s life, not to mention finances. If your injuries were caused by a design defect of a vehicle, you may be eligible to sue the vehicle or part manufacturer, perhaps even the distributor and seller for compensation. Consult with an experienced rollover accident lawyer in your area for more information.