Iowa enforces anti-stacking clauses and states that an insured with more than one policy may recover up to the highest single limit, though a stacking endorsement can be bought. Enter your limits, damages and the other driver's payment to see both the single-limit and the stacked result.
Enter your policy limits, your damages and what the other driver's insurer paid.
Iowa's rules are in Iowa Code 516A.1 (required coverage and rejection) and 516A.2 (construction, minimum coverage and stacking). The minimum limits are in 321A.1, and the injury deadline in 614.1.
Read how stacked and single-limit coverage differ in Iowa, check what section 516A.2 says, or see how UM and UIM work in Iowa.
A local personal injury attorney can review your claim — many offer a free consultation.
This is an estimate for general guidance only and is not legal advice. Figures are based on the cited Iowa statutes. Confirm how these rules apply to your specific case with a licensed Iowa attorney.