Carter Law Offices, P.C.

Call Us For A Free Consultation  515-644-4871  |  402-979-8675

Carter Law Offices, P.C.

515-644-4871

402-979-8675

Standing Up For Justice And The Underdog

Car Accident Attorney In Des Moines, IA

When another driver’s negligence leaves you injured, insurance companies often prioritize profits over your recovery. At Carter Law Offices, P.C., we fight to secure maximum compensation for:

  • Mounting medical debt from surgeries or ongoing treatment

  • Lost wages threatening your family’s financial stability

  • Emotional trauma after losing a loved one in a preventable crash

Why Iowa accident victims trust our firm:
✅ Decades of local experience handling complex injury claims
✅ Proven results against aggressive insurers like State Farm and Allstate
✅ No fees unless we recover compensation for you

Don’t settle for less than you deserve.
Insurance adjusters start building cases against you from day one. Let our Des Moines car accident attorneys level the playing field.

Free Consultation | 515-644-4871
“We’ve helped clients over the years recover millions of dollars – now let’s focus on your recovery.”

Table Of Contents

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What To Do After A Car Accident

A car accident can be overwhelming, but taking the right steps immediately and in the following days can protect your health, safety and legal rights. Here’s what you need to do to build a strong case.

Immediate Steps After A Collision

Immediately after a collision, assess your injuries and any injuries suffered by your passengers. If necessary, call an ambulance for emergency medical care. If not, you should still seek medical attention as soon as possible. Iowa law requires drivers to report any accident that caused injuries, property damage totaling more than $1,500, or death. However, even if an accident does not seem to be serious, you may still want to call the authorities to make a report.

If your injuries allow you to do so, you should take time to document the scene. Collect the contact information, insurance information and car information of the other driver, as well as the contact details for any witnesses. Finally, contact your insurance company to report your accident. Be careful not to discuss the details of the crash or any potential causes because this information could be used to deny or limit your insurance claim.

Essential Documentation For Your Claim

If you want to hold the at-fault parties accountable for the damages you suffered, you must be able to give a detailed narrative of how and why they caused it. You will need proof. Here is a brief overview of the kind of documentation and information that can help us build your case:

  • Photos of both cars, including detailed photos of damage to your car
  • Contact information of any witnesses
  • Photos of the accident scene and your observations (weather, time of day, traffic, etc.)
  • Photos of any visible injuries (cuts, abrasions, bruises)
  • Medical documentation

Be sure to tell the doctor you were in a vehicle accident and to follow up with all prescribed treatments and appointments.

Steps In The Days Or Weeks Following

In the days after an accident, be sure to preserve documentation about your medical care, any damaged property, and any time you have had to spend away from work due to your injuries. This documentation can create a full picture of the impact of the accident.

You should also discuss your collision with an experienced attorney. Not only can a lawyer help you understand your legal options, but their assistance also allows you to focus on recovery from your injuries. Whether preserving important evidence or negotiating with the insurance company, an attorney can be an essential ally for injured people.

Medical Care Costs

A personal injury claim can take many months to resolve. Medical debts start piling up quickly. If you have health insurance, it may cover your hospital bills and medical treatment in the aftermath of an accident but only up to a certain limit. A personal injury settlement typically includes damages for past and future medical expenses. However, your health insurance provider may later try to recoup their losses through subrogation (a lien against your injury settlement).

It’s also possible that your own auto insurance policy will pay your initial medical bills, but only if you purchased additional insurance such as medical payments coverage (Med-Pay) or Personal Injury Protection (PIP). Med-Pay and PIP coverage are optional in Iowa.

What This Means For You

  • Quick action and thorough documentation strengthen your claim.
  • Seeking medical care promptly protects your health and supports your case.
  • An attorney can manage evidence and negotiations, allowing you to focus on recovery. Back To Top

 

Iowa Car Accident Statistics And Local Dangers

Despite efforts nationwide to increase traffic safety, Iowa’s annual car accident fatality rate is rising rather than falling. Statistics published by the Iowa Department of Transportation show that annual car accident deaths increased for five of the previous six years (from 2018 and 2023). In 2023, car accidents were responsible for 377 deaths statewide.

According to recent data from the Iowa DOT, several intersections in Des Moines stand out as particularly hazardous for drivers. When visiting the Merle Hay Mall, exercise extra caution at the intersection of Douglas Avenue and Merle Hay Road, where 23 collisions occurred in 2023, including one serious injury and seven hit-and-run incidents.

School zones are designated with lower speed limits for a reason, as evidenced by the 23 vehicle crashes at the intersection of East University Avenue and East 14th Street, near East High School, in 2023. This busy intersection sees an average of 27,000 daily users and experienced 11 hit-and-run crashes.

Other high-risk intersections in Des Moines include Maury Street and Southeast 14th Street, with 24 crashes and eight hit-and-runs; East Euclid Avenue and East 14th Street, with 26 crashes, including three hit-and-runs, and over 34,500 daily vehicles; and East Watrous Avenue and Southeast 14th Street, which saw a notable 28 vehicle collisions and two hit-and-runs in 2023.

What This Means For You

  • Iowa’s rising accident rates highlight the need for caution on the roads.
  • High-risk intersections in Des Moines require extra vigilance to avoid collisions. Back To Top

Iowa Car Accident Laws Explained

Iowa’s legal framework governs how car accident claims are handled. Understanding these laws is essential for navigating your case effectively.

Iowa’s At-Fault System

In an at-fault state like Iowa, you must establish that the other driver caused or contributed to the accident to bring a claim for compensation against their insurance policy. That makes it all the more important to have a skilled car accident lawyer who can prove liability if the claim is contested.

Comparative Fault Rules

Iowa follows the principle of modified comparative fault (also known as modified comparative negligence), meaning that you can bring a claim as long as you are not more at fault than the other driver. Your compensation is proportional to your degree of fault. For example, if you were found to be 20% at fault, your recovery would be reduced by 20%.

Uninsured And Underinsured Motorist Claims

Iowa law requires every driver to carry liability insurance in the event they cause an injury or property damage accident. The minimum insurance coverage in Iowa is 20/40/15 – $20,000 per person for bodily injuries, up to a maximum of $40,000 for all persons injured in one accident, plus $15,000 in property damage. Many drivers carry only the mandatory minimum coverage, which may not fully cover a bad crash with severe injuries or multiple victims. If your losses exceed the other driver’s policy limits – or if the other party was driving illegally without any insurance – you may be able to bring an uninsured motorist/underinsured motorist claim to cover the difference. However, this only applies if you purchased UM/UIM coverage on your own auto policy.

What This Means For You

  • Proving the other driver’s fault is critical in Iowa’s at-fault system.
  • Partial fault may reduce your compensation, but you can still recover if less than 51% at fault.
  • UM/UIM coverage can compensate you if the at-fault driver lacks sufficient insurance.

 

Types Of Collisions And Common Causes

Every crash scenario is different, but there are types of accidents that occur frequently. Examples of common accident scenarios include:

  • Rear-end collisions: Often caused by tailgating or sudden braking, rear-end collisions occur when the front end of one vehicle collides with the rear end of another. Drivers should maintain a safe following distance to prevent rear-end collisions. Usually, the driver who hit the vehicle in front is typically at fault.
  • Head-on collisions: Head-on collisions are one of the most dangerous types of car accidents and happen when the front ends of two vehicles hit each other. These crashes can occur when a driver drifts into oncoming traffic or intentionally drives against traffic. The force of head-on collisions can result in significant injuries or fatalities due to the high speeds and direct impact involved.
  • T-bone crashes: Also known as side-impact collisions, T-bone accidents occur when the side of one vehicle is hit by the front or rear of another, forming a ‘T’ shape. These types of accidents typically happen at intersections, frequently due to one driver failing to yield or running a red light.
  • Multi-vehicle accidents: In accidents involving three or more vehicles, the fault may be shared among several drivers and such a scenario might include different types of collision. Multi-vehicle accidents can happen due to tailgating, poor weather or hazardous road conditions. Determining the initial cause can be challenging and will require careful investigation.
  • Rollover accidents: When a vehicle flips over onto its side or roof. These types of accidents can be caused by sharp turns at high speeds, collisions with other vehicles or objects, or losing control on slippery roads.

Our personal injury lawyers have experience with all kinds of collisions. They can review the evidence from the accident, build a case against the at-fault driver(s), and maximize the value of your claim.

What This Means For You

  • Different collision types impact how fault is determined.
  • Experienced attorneys can analyze evidence to prove liability and strengthen your case. Back To Top

 

How Much Is My Car Accident Case Worth?

The value of a car accident case depends on various factors, including:

  • Severity of injuries: The type and extent of injuries sustained, such as broken bones, head trauma, or spinal cord injuries, can significantly impact the case’s value.
  • Medical expenses: The cost of medical treatment, including hospital bills, surgery, physical therapy, and ongoing care, will be considered when determining the case’s value.
  • Lost wages and income: If the accident has resulted in lost wages, reduced earning capacity, or permanent disability, these losses will be factored into the case’s value.
  • Property damage: The extent of damage to your vehicle and other property will also be considered.
  • Pain and suffering: The physical and emotional pain, as well as the impact on your quality of life, will be taken into account when determining the case’s value.
  • Liability and negligence: The degree of fault attributed to the other party, as well as any negligence or recklessness, can affect the case’s value.

At Carter Law Offices, P.C., our experienced attorneys will work with you to assess the unique circumstances of your case and determine a fair and reasonable value for your claim. We have advocated for injury victims in Iowa for over 25 years and have a deep understanding of the complexities involved in car accident cases.

To give you a better idea of what your case might be worth, we can discuss the following general guidelines:

  • Minor injuries: Cases involving minor injuries, such as whiplash or soft tissue damage, may be worth $5,000 to $20,000.
  • Moderate injuries: Cases involving moderate injuries, such as broken bones or concussions, may be worth $20,000 to $50,000.
  • Severe injuries: Cases involving severe injuries, such as spinal cord injuries or traumatic brain injuries, may be worth $50,000 to $200,000 or more.

Keep in mind that these are general estimates, and the actual value of your case will depend on the specific circumstances and the skill of your attorney. Our team will work tirelessly to ensure you receive the maximum compensation you deserve.

Every person’s experience after a car accident is unique, and the value of your claim can vary depending on many different factors. One of the best ways to maximize the value of your claim is to speak with an experienced personal injury attorney who understands the law and the many ways an accident can impact your life.

What This Means For You

  • Your case’s value depends on injury severity, costs and fault.
  • An experienced attorney can accurately assess and maximize your compensation. Back To Top

 

Iowa Car Accident Laws Explained

Iowa’s legal framework governs how car accident claims are handled. Understanding these laws is essential for navigating your case effectively.

Iowa’s At-Fault System

In an at-fault state like Iowa, you must establish that the other driver caused or contributed to the accident to bring a claim for compensation against their insurance policy. That makes it all the more important to have a skilled car accident lawyer who can prove liability if the claim is contested.

Comparative Fault Rules

Iowa follows the principle of modified comparative fault (also known as modified comparative negligence), meaning that you can bring a claim as long as you are not more at fault than the other driver. Your compensation is proportional to your degree of fault. For example, if you were found to be 20% at fault, your recovery would be reduced by 20%.

Uninsured And Underinsured Motorist Claims

Iowa law requires every driver to carry liability insurance in the event they cause an injury or property damage accident. The minimum insurance coverage in Iowa is 20/40/15 – $20,000 per person for bodily injuries, up to a maximum of $40,000 for all persons injured in one accident, plus $15,000 in property damage. Many drivers carry only the mandatory minimum coverage, which may not fully cover a bad crash with severe injuries or multiple victims. If your losses exceed the other driver’s policy limits – or if the other party was driving illegally without any insurance – you may be able to bring an uninsured motorist/underinsured motorist claim to cover the difference. However, this only applies if you purchased UM/UIM coverage on your own auto policy.

What This Means For You

  • Proving the other driver’s fault is critical in Iowa’s at-fault system.
  • Partial fault may reduce your compensation, but you can still recover if less than 51% at fault.
  • UM/UIM coverage can compensate you if the at-fault driver lacks sufficient insurance. Back To Top

 

Why You Need A Des Moines Car Accident Lawyer

You have rights. You have legal options. You can put an experienced and dedicated personal injury lawyer on your side. Our personal injury lawyers take on a wide range of motor vehicle cases, including:

An automobile crash can leave a person and their entire family in turmoil. In the most serious of cases, there can be long-term care needs, major hospital bills and even final expenses for a loved one involved in a fatal crash.

Instead of giving an injured person a fair settlement, many insurance companies choose their bottom lines over their obligations to pay fair compensation. These insurance providers take such actions because they do not expect policyholders to fight back. At Carter Law Offices, P.C., many of our clients have been mistreated or flat-out denied compensation by insurance companies. Our trial-tested attorneys bring decades of combined experience to their fight for full compensation. Whether negotiating with powerful insurance companies or taking cases to trial, we are dedicated to helping our clients even the odds.

We stand behind you and your family in and out of the courtroom. You don’t have to settle for less.

What This Means For You

  • A lawyer protects your rights against insurance companies’ tactics.
  • Experienced representation increases your chances of fair compensation. Back To Top

 

Questions And Answers About Iowa Car Accidents

Understanding your rights after a collision in Iowa is often more challenging than you may expect. Handling an accident claim when you are also dealing with medical appointments and insurance calls typically increases stress levels. The following information offers guidance so that you can make informed decisions about your situation.

How long do I have to file a car accident claim in Iowa?

Iowa generally allows two years from the date of a crash to file a personal injury lawsuit, per the statute of limitations. The deadline applies to accident claims involving injuries, medical expenses and other personal losses. Missing it may prevent you from pursuing compensation in court. 

Some situations, especially those involving government entities, may involve additional notice requirements or shorter timelines, making it important to act promptly and gather documentation early. Speaking with a lawyer soon after the accident can help ensure that evidence is preserved and that your claim is filed within the required period.

What if the other driver is uninsured or underinsured in Iowa?

When the at-fault driver lacks adequate insurance, your own uninsured or underinsured motorist coverage may help pay for medical bills, lost income and other damages. This type of coverage is designed to protect you when the responsible driver cannot fully compensate you, and it often becomes essential in serious collisions. 

After the crash, it is essential to report the incident to law enforcement, collect identifying details and notify your insurer so they can evaluate your policy and begin the claims process. These steps help establish what happened and support your request for benefits under your own coverage.

Am I always at fault if I rear-end another car?

Rear-end collisions frequently lead to assumptions about fault, but Iowa law requires a full review of the circumstances before assigning responsibility. While the trailing driver is often found at fault, sudden braking, unsafe lane changes or unexpected maneuvers by the lead driver can shift or divide liability. Mechanical issues, road hazards or weather conditions may also influence how the fault is determined. 

Iowa follows a comparative negligence system. This means your ability to recover compensation depends on whether your share of fault is less than that of the other driver. We can help you build a strong claim that clearly shows who is responsible for the accident.

Contact Us For Affordable Car Accident Legal Representation

Carter Law Offices, P.C., offers free initial consultations and provides contingency fee representation for personal injury claims. You owe us nothing unless we recover for you. Rely on our dedicated professionals for effective, experienced and personalized legal solutions. Call our Des Moines office at 515-644-4871 to schedule an appointment or send us a message online.