Core Iowa Statutes

• Iowa Code Chapter 516A — uninsured and underinsured motorist coverage.
• Iowa Code Chapter 668 — comparative fault.
• Iowa Code Chapters 669 and 670 — state and municipal tort claims.
• Iowa Code Chapter 321A — motor-vehicle financial responsibility.

Leading Iowa Decisions

• Tri-State Insurance Co. of Minnesota v. De Gooyer, 379 N.W.2d 16 (Iowa 1985) — UIM anti-stacking and statutory incorporation into the insurance contract.
• Swainston v. American Family Mutual Insurance Co. (Iowa 2009) — uninsured-motorist benefits and anti-stacking under Chapter 516A.
• Mewes v. State Farm Automobile Insurance Co. (Iowa 1995) — UIM limits and inter-policy stacking issues.

Iowa UM/UIM analysis should be tied to the policy period, Chapter 516A, priority-of-coverage language, later citing decisions and the actual declarations and endorsements.

Publication review note — September 17, 2026. Confirm subsequent history, statutory amendments and current policy language before reliance.