Yes. A driver hitting a pedestrian near an Iowa City school bus stop can still lead to an injury claim, even if the insurance adjuster is already blaming your mom.

A common back-to-school example: a parent is rushing through a school zone near an Iowa City bus stop, looking at other kids and traffic, and clips an older woman crossing the street. She goes by Johnson County Ambulance to the ER, gets calls from insurance the next day, and the forms are all in English. The adjuster says she "came out too fast" or crossed outside the crosswalk, so there is no case. That is not how Iowa works.

The general rules are these:

• Iowa uses modified comparative fault. Your mom can still recover money if she was 50% or less at fault. If she was partly at fault, her recovery is reduced by that percentage. If she was more than 50% at fault, recovery is barred.
• The filing deadline for most Iowa injury cases is 2 years from the date of the crash.
• Get the Iowa City Police Department report number right away and confirm the driver's insurance.
• Ask quickly for any video from nearby homes, schools, buses, or businesses. School-zone and bus-stop footage can disappear fast.
• Save every medical record, discharge paper, prescription receipt, and photo of bruising, clothing, shoes, and the exact location.

If your mom has limited English, do not let her guess on English-language statements or sign medical releases she cannot read. Wrong wording can hurt the claim.

If the driver was working, driving a company vehicle, or was uninsured or underinsured, there may be additional insurance coverage beyond the driver's basic policy. That matters a lot when injuries turn out worse than they looked on day one.