Understanding Car Accident Laws in Iowa

If you’ve been in a car accident in Council Bluffs, you’re probably juggling insurance calls, car repairs, doctor visits, and one big, overwhelming question: “What now?” As your local car accident lawyer in Council Bluffs, Peters Law Firm is here to protect your rights, guide you through Iowa’s car accident laws, and get you the compensation you deserve.

Iowa Is a Fault-Based Car Accident State

Iowa follows a fault-based system. This means the driver who causes the crash is responsible for covering your medical bills, lost income, and property damage, usually through their insurance provider.

This is different from “no-fault” states, where your own insurance covers your losses regardless of who caused the crash. As a result, proving fault in Iowa car accidents is a big deal. You’ll need to gather the right evidence to support your personal injury auto claim.

What to Do After a Car Accident in Council Bluffs

The moments right after a crash can be chaotic, but the steps you take shape your claim. Here’s what to do:

• Check for injuries and call 911: Safety comes first. Even if injuries seem minor, get medical help to support your claim later.
• Move to safety: If possible, get vehicles out of traffic to prevent other accidents.
• Exchange information: Collect names, addresses, phone numbers, insurance details, and license plates from every driver involved.
• Document everything: Take photos of vehicle damage, road and weather conditions, injuries, and nearby traffic signs.
• Talk to witnesses: Get their contact information before they leave the scene.
• Notify your insurance: Report the accident promptly, but keep details factual and avoid admitting fault.

Time Limits for Filing a Car Accident Claim in Iowa

In Iowa, you generally have two years from the date of the crash to file a personal injury claim and five years to file for property damage.

If the injured person is a minor, the statute of limitations is put on hold. Once they turn 18, they have one year to initiate a claim. Claims involving government-owned vehicles often have shorter deadlines and extra requirements. Miss these time limits, and you could forfeit your right to compensation.

How Fault and Compensation Are Determined

Iowa uses a modified comparative fault rule, or the “51% rule.” If you are found to be 51% or more responsible for the crash, you can’t recover damages. If you’re less than 51% to blame, your compensation will be reduced accordingly.

For example, if the court awards you $50,000, but you’re found to be 20% at fault, you will receive $40,000.

Insurance adjusters review evidence, police reports, and witness statements to determine fault. Having a lawyer helps you present your side of the story with solid evidence to back it up.

Benefits of Hiring a Car Crash Injury Lawyer

Working with legal counsel isn’t required, but it’s always helpful. Legal input is especially important if your case involves serious injuries, disputed fault, or a denied claim. Here’s how Peters Law Firm can help after a car accident:

• We handle calls and negotiations with insurance companies.
• We gather medical records, accident reports, and expert opinions.
• We calculate fair compensation for medical bills, lost wages, and pain and suffering.
• We stand up for you if the insurance company denies or undervalues your claim.

Why Drivers Trust Peters Law Firm After an Accident

We know Iowa car accident and insurance laws inside and out. As a local firm serving Council Bluffs and Eastern Nebraska since 1895, we’ve built a history of protecting our clients’ rights as they navigate personal injury auto claims. We approach each case with transparency, determination, and attention to detail for the best possible outcome.

If you’ve been in a crash, contact us today to request your free case evaluation.

Questions About Iowa Car Accident Claims

Should I accept the first settlement offer from the insurance company?

No, not without careful review. Early offers typically fail to cover all your losses.

Can I recover compensation for emotional distress?

Yes, Iowa allows damages for emotional distress as part of a personal injury claim.

What if the at-fault driver is uninsured?

You may be able to use your own uninsured/underinsured motorist coverage to recover losses.