Filing Claims against Another Driver’s Insurance Company in Iowa
If you’ve been hit while riding and the other guy is mostly responsible, you may be able to file a claim against the other driver’s insurance company.
In Iowa, that’s how the system works—but insurance companies don’t always play fair. Here’s what you need to know to protect your rights and get what you’re owed.
Iowa Is a “Fault” State—Here’s What That Means
In Iowa, the driver who causes the crash is legally responsible for paying for the damage. That means if someone else caused your motorcycle wreck, their insurance should cover:
- Your medical bills
- Repairs or replacement of your bike
- Missed work while you recover
- Pain and suffering
But getting that money isn’t always easy—especially when the insurance company is more focused on their bottom line than doing the right thing.
What to Do After the Crash
Whether it’s a fender-bender or something much worse, here’s what you need to do to protect your claim:
- Get medical help right away. Even if you think you’re okay, some injuries take time to show.
- Take pictures of the crash scene, your bike, and any visible injuries.
- Get contact info for witnesses and the other driver.
- Request a copy of the police report.
- Talk to a motorcycle accident lawyer before giving a statement to insurance companies.
Ready to see how we fight for bikers like you?
Why Dealing With Insurance Can Be So Difficult
Even if the other driver was clearly at fault, their insurance company might:
- Try to say you were partly responsible
- Offer a quick settlement that’s way too low
- Delay or deny your claim without a good reason
And here’s the truth: once you accept a settlement, you can’t go back and ask for more. That’s why it’s so important to make sure the offer covers everything—not just what’s obvious today.
If you’re unsure, don’t sign that offer yet.
Once you sign, you can’t go back. Let’s make sure it’s fair.
What If the Other Driver Is Uninsured?
Sadly, it happens more than you’d think. If the driver who hit you doesn’t have insurance (or not enough), you may need to file a claim through your own uninsured/underinsured motorist coverage. This can help cover your losses—but again, even your own insurance company might try to minimize what they pay.
We’ll review your policy, help you understand your options, and fight to get you what you’re owed.
Ready to see how we fight for motorists like you? Check out how we handle personal injury claims in Iowa.
How The Biker Lawyers Can Help
We’ve stood shoulder-to-shoulder with injured bikers across Iowa, and we know how to deal with insurance companies that don’t want to pay.
We’ll take the pressure off you, gather the evidence, and negotiate with the insurance company so you don’t have to. If they won’t offer what’s fair? We’re not afraid to take the fight to court.
👉 Call us at (319) 294-4424 or reach out here for your free consultation.
Posted on June 16, 2020 at 3:02 PM by The Biker Lawyers | Updated: April 29, 2025
Frequently Asked Questions
Click the (+) on any of the questions below.
What if the other driver’s insurance company blames me?
Iowa follows a modified comparative fault rule. If you’re less than 50.1% at fault, you can still recover compensation—though your payout might be reduced.
How long do I have to file a claim?
You usually have 2 years from the date of the accident to file a personal injury claim in Iowa. Don’t wait too long.
Should I accept the first settlement offer?
Probably not. It’s often lower than what your case is truly worth. Always talk to an attorney first.
What if I don’t have health insurance?
We can help you find medical providers who will treat you now and get paid later—out of your settlement.
Do I need a lawyer to file a claim?
You can try to handle it alone—but with insurance companies looking to pay as little as possible, having a lawyer can make a huge difference in the outcome.
We’ve got your back. Let’s get you the money you’re owed.
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