If you’re involved in an accident with an uninsured driver in Iowa, it’s crucial to know your options. Iowa is an “at-fault” state, meaning the driver responsible for the accident is liable for damages. However, if the at-fault driver is uninsured, recovering compensation can be challenging. Here are steps to consider:

1. **Uninsured Motorist Coverage**: Check if you have uninsured motorist (UM) coverage as part of your auto insurance policy. This coverage can help pay for medical expenses and damages if the at-fault driver lacks insurance.

2. **Collision Coverage**: If you have collision coverage, it can cover the cost of repairs to your vehicle, regardless of who is at fault.

3. **Legal Action**: You may need to file a lawsuit against the uninsured driver to recover damages. However, this can be a lengthy process, and there’s no guarantee of collecting if the driver lacks assets.

4. **Report the Accident**: Always report the accident to the police and your insurance company, providing detailed information and documentation.

5. **Consult an Attorney**: Consider consulting with a personal injury attorney to explore your legal options and ensure you receive fair compensation.

By understanding your insurance coverage and legal rights, you can better navigate the aftermath of an accident with an uninsured driver in Iowa.