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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.

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.
“
Car Insurance
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