Iowa and Wisconsin

Non No-Fault States

“Your firm is very friendly. You feel welcome when you walk through the door. You seem very knowledgeable about my case (TBI)”

Steve and Lisa Patek, Rochester, Minnesota

Kauffman Law Firm is licensed to practice in all courts in Minnesota, Iowa, and Wisconsin.  We actively represent injured persons and their families throughout Minnesota, Iowa, and Wisconsin.  However, insurance is not the same in all three states.

This section explains how insurance works in Iowa and Wisconsin.  For an explanation of how insurance works in Minnesota, see, Minnesota No-Fault:  How No-Fault Works.

Iowa and Wisconsin are Not No-Fault States

Unlike Minnesota which requires all owners and drivers of cars or trucks—not motorcycles—to purchase Minnesota No-Fault Auto Insurance, Iowa and Wisconsin are not No-Fault states.  However, auto insurance policies issued in Iowa and Wisconsin usually have Medical Pay Insurance.

Medical Pay Insurance:  General Principles and Recoverable Benefits

Medical Pay Insurance is paid by your own car or truck insurance company regardless of fault.

  • Covers Medical Expenses up to the Medical Pay Insurance limit—usually $1,000 or $5,000 per accident.
  • Incurred as a result of personal injury or death.
  • Arising from the maintenance or use of a car, truck, or motorcycle.

Medical Pay Insurance is often available in all three states for non-automobile related accidents, such as Motorcycle Accidents, Farm Accidents, Accidents on the Property or Premises of Another, or Dog Bite Accidents.

Medical Pay Exclusions

Medical Pay Insurance does not include property damage or other losses such as lost wages and pain and suffering.

You may have property damage insurance (Collision) through your own insurance.

Liability Claims Against Another Owner or Driver/No Thresholds

You may make a claim beyond Medical Pay Insurance against another owner or driver—called a Liability Claim—in Iowa and Wisconsin if:

  1. You prove that the accident was caused by the fault of another owner or driver.
  2. You are not required to meet a Threshold—as required under Minnesota No-Fault Law.
  3. You may be entitled to the following Recoverable Losses:

  • Past medical expenses
  • Past pain and suffering
  • Past lost wages
  • Future medical expenses
  • Future pain and suffering
  • Future lost earning capacity

Insurance Coverage

There may be several layers of insurance coverage and several different insurers involved in your case including:

  • Medical Pay Insurance
  • Liability Insurance or Uninsured Motorist Insurance (UM)
  • Underinsured Motorist Insurance (UIM)

Interpreting and applying different types of insurance may be complex and time consuming.  The insurance companies have much more knowledge and experience in interpreting and applying different types of insurance than you have.

If you or a loved one have been injured in a car accident or truck accident in Iowa or Wisconsin, you need to concentrate on one thing — getting on with your life.  Let our experienced team handle the insurance paperwork including claim forms, reports, authorizations, and requests for recorded statements.

Free Consultation

We offer a free consultation, so you have nothing to lose by contacting us firstFor a free consultation:

Email us at or

Call us at 507-285-5350 or 877-285-5350

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