Why am I required to have car insurance in Iowa?

I don't understand why I need car insurance in KY. If it's my vehicle, I should be able to choose whether I want to insure it or not.

Answer provided by
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Emily Maracle
Answered on May 07, 2021
“Almost every state requires drivers to buy car insurance to legally operate a vehicle, and that includes Iowa. This is typically called liability-only insurance. Liability protects others if you are at fault in an accident, paying for their property damage and injuries.
If you are at fault in an accident and don’t have insurance, you would be required to pay for all damages and injuries out of pocket. Other drivers or their insurance companies can also sue you if you refuse to pay for the damages.
States do not require you to carry collision coverage or comprehensive coverage, which protect your vehicle in the event of an accident. You have the choice as to whether to carry those coverages on your vehicle.
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