In Iowa, liabilityinsurance is not required by law if you own a car (contrary to popular belief).However, if you do not have liability insurance you must show proof of financial responsibility if you are in a car accident (let's not get into all this - just buy liability insurance for your car and life is much easier!).

Under Iowa law, you are "legal" if you have $20,000 of liability insurance for bodilyinjury to one person; $40,000 for bodilyinjury to two or more persons.You must also have uninsured / under-insuredmotorist coverage equal to these limits under Iowa law (in case you are injured by an insured or under-insured driver).Also, you need to have at least $15,000 coverage for any property damage you cause.

How much liability insurance do you think is enough?Are you okay with 20/40/15 coverage?Way too low?About right?What do you believe if a proper amount of liability insurance to have on your car?Explain.