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Lacking Des Moines Car Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 07/27/2014

Not having Des Moines car insurance is just one way to keep yourself off the road.

Des Moines car insurance

Don’t lose your driver’s license just because you don’t want Des Moines car insurance.

Driving is a privilege that most people think is a right. They believe that being able to drive is something that cannot be taken away from them, so they make stupid decisions when they are behind the wheel.

But, don’t think that your driver’s license is a right, because it can be taken away from you a lot easier than it was for you to get it in the first place.

Drive Sober

From the Iowa Department of Transportation’s website, the Operating While Intoxicated law says that you cannot operate a vehicle if:

  1. While under the influence of an alcoholic beverage or other drug or a combination of such substances.
  2. While having an alcohol concentration of .08 or more.
  3. While having any amount of a controlled substance in one’s body.

Iowa’s implied consent law means that any person who operates a motor vehicle in the state agrees to have a blood, breath and/or urine test performed to determine alcohol level or presence of drugs, whenever a peace officer has reasonable grounds to believe the person is operating under the influence.

Violating this law will leave you lacking a regular driver’s license.

Drive Safe

  • You can also lose your license if you:
  • Are habitually reckless or negligent
  • Have 3 or more convictions for moving traffic violations within a year
  • Fail to pass an exam
  • Have a mental or physical condition that prevents you driving safely
  • Didn’t pay a fine, penalty or surcharge or court costs from a traffic ticket
  • Have been convicted for excessive speeding
  • Received a traffic violation that contributed to a fatality

Drive with Active Des Moines Car Insurance

Although driving without insurance may not seem like a dangerous act, the State of Iowa has deemed it dangerous enough to take away your driver’s license if you do. If you want to keep your driver’s license the following Des Moines insurance coverages need to be purchased:

  • $20,000 bodily injury liability coverage
  • $40,000 bodily injury liability coverage (per accident)
  • $15,000 property damage coverage

For more information on how you to keep your driver’s license with Des Moines car insurance, contact your local insurance agent.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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