What does Iowa require regarding proof of insurance when stopped by law enforcement?

Iowa law mandates that drivers must present proof of insurance when requested by law enforcement officers during a traffic stop. This requirement helps ensure that all vehicles on the road are adequately insured, contributing to safety and accountability in case of accidents or traffic violations.

When an officer pulls over a driver, they have the authority to ask for documentation that verifies the vehicle's insurance coverage. This proof is critical not only for the officer's assessment of the situation but also for any potential investigative purposes related to roadway safety.

The other choices do not align with the established laws in Iowa. Presenting proof of insurance is not optional, and it is not limited solely to commercial drivers. Furthermore, while it may seem convenient to be able to provide insurance information later, Iowa law specifically requires that it be shown at the time of the request by law enforcement.