Motor vehicle accidents in Iowa
Iowa sits at the crossing of two major interstates: I-80 runs east–west across the state through Des Moines, Iowa City, and the Quad Cities, while I-35 runs north–south from the Missouri line through Des Moines toward Minnesota. I-380 links Cedar Rapids and Iowa City, and I-29 tracks the western edge past Council Bluffs and Sioux City.
Long stretches of high-speed rural interstate combined with commuter density around Des Moines and Cedar Rapids drive most auto-injury demand for Iowa personal injury firms.
Iowa injury law that shapes these cases
Iowa is an at-fault (tort) state with no PIP or no-fault layer, so the at-fault driver's liability carrier is the primary source of recovery and clear liability drives every case.
The statute of limitations for personal-injury claims is two years from the date of the crash (Iowa Code § 614.1(2)); property-damage claims carry a longer window. Iowa applies modified comparative fault with a 51% bar under Iowa Code Chapter 668: an injured party can recover only if their fault is 50% or less, with damages reduced by their share.
Minimum auto liability limits are 20/40/15 — $20,000 bodily injury per person, $40,000 per accident, and $15,000 property damage — among the lower floors in the country, which makes underinsured-motorist exposure a frequent factor in serious cases.
How we screen Iowa leads
Because Iowa recovery runs through the at-fault driver's liability carrier, the fault screen is where an Iowa lead's value is made or lost — we confirm another driver was responsible before your team ever sees it. Every Iowa claimant comes from campaigns we run and capture ourselves, never a shared pool or an aggregator's resold list.
- Recent crash — the collision is fresh and well within Iowa's two-year filing window.
- Genuine injury — the claimant reports a real injury, not a property-only fender-bender.
- Someone else at fault — the claimant names another driver as the cause, so there is a liable carrier to pursue.
Iowa advertising & lead-gen compliance
Marketing calls and texts to Iowa claimants are governed by the federal Telephone Consumer Protection Act (TCPA), which requires prior express written consent before a marketing contact. The FCC's one-to-one consent rule was vacated by the 11th Circuit in January 2025, so it isn't in force — but valid prior express consent is still required, and under the FCC's April 2025 revocation rules a consumer's opt-out has to be honored promptly.
Iowa has not adopted a mini-TCPA, so lead-gen contacts rely on the federal baseline rather than an added state telemarketing statute. On the legal side, the Iowa Rules of Professional Conduct on advertising apply — prohibiting false or misleading communications and any guarantee of a result. A lead vendor that steps over those lines hands the exposure to whichever firm bought the lead.
Kurios is designed to stay clear of that: consent-based, advertising-driven campaigns, disclosures on our landing pages, no outcome guarantees, opt-outs honored, and one firm per lead. For an Iowa firm working the I-80 and I-35 corridors, the practical benefit is that the leads you buy grow your caseload without importing another company's compliance liability. For the authoritative rules behind all of this, see the Iowa State Bar Association’s attorney-advertising rules and the FCC’s TCPA rules on telemarketing and robocalls.
Why Iowa personal injury firms work with Kurios
In a low-minimums state like Iowa, the metric that matters is cost per signed case, and it turns on reaching the claimant before anyone else. Every Iowa lead is exclusive to one firm, screened for a recent crash, a real injury, and a liable at-fault driver, and lands in your CRM — Filevine, Litify, Salesforce, and more — in under 10 seconds, so your intake team calls first across Des Moines, Cedar Rapids, and the I-80 corridor. No shared pools, no washed lists, no wrong-number waste — just cases worth working.
Start with a 3-month test batch of 50 exclusive leads a month — month-to-month, cancel anytime within the 3 months, no retainer — so you can prove cost per signed case on your own numbers. See how that stacks up against shared and aged leads, or browse the full MVA lead program and our breakdown of MVA lead companies.
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See If You QualifyFrequently Asked Questions
What is the statute of limitations for a car accident claim in Iowa?
Two years from the date of the accident for personal injury claims, under Iowa Code § 614.1(2).
Is Iowa a no-fault state?
No. Iowa is an at-fault (tort) state with no PIP requirement, so the at-fault driver's liability insurance is the primary source of recovery.
How does fault affect an Iowa claim?
Iowa uses modified comparative fault with a 51% bar — an injured party recovers only if their fault is 50% or less, with damages reduced by their share.
Does Iowa have its own telemarketing law for lead generation?
No mini-TCPA in Iowa — lead-gen contacts run on the federal TCPA plus the Iowa Rules of Professional Conduct on advertising, which bar misleading legal ads and outcome guarantees. Our consent-based campaigns are built to comply with both.
Are your Iowa leads TCPA-compliant?
Yes. We use documented, consent-based capture with required disclosures, honor opt-outs promptly, and make no case-outcome guarantees. The FCC's one-to-one consent rule was vacated in January 2025, but prior express consent is still required and we obtain it.
Are your Iowa leads exclusive?
Yes. Every Iowa lead goes to one firm only — never shared, resold, or recycled.
How fast do Iowa leads reach my CRM?
In under 10 seconds. We push each lead directly into your CRM in real time so your intake team can call immediately.