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Iowa Auto Insurance Laws Required Minimum Bodily Injury Coverage $20,000 per person injured in any one accident and $40,000 for all persons injured in any one accident. Required Minimum Property Damage Coverage $15,000 for injury to or destruction of property of others in any
one accident. Optional Insurance Coverage Uninsured (UM) and Underinsured Motorist (UIM) Coverage. Iowa vehicle owners can purchase either UM, UIM, or both. The minimum amount purchased must meet the bodily injury liability requirements.
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