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Bill > HF2352
IA HF2352
IA HF2352A bill for an act relating to the minimum amounts required for motor vehicle financial responsibility, and making penalties applicable.(Formerly HF 129.)
summary
Introduced
02/09/2026
02/09/2026
In Committee
Crossed Over
Passed
Dead
Introduced Session
91st General Assembly
Bill Summary
This bill increases the minimum amounts of coverage required under Code chapter 321A for motor vehicle financial responsibility for bodily injury or death of one person ($20,000 to $50,000), bodily injury or death of two or more persons ($40,000 to $100,000), and property damage ($15,000 to $50,000). The bill makes corresponding changes to provisions regarding associated policies, bonds, and judgments. The bill also increases the minimum amount of coverage required for property damage for evidence of financial responsibility under Code chapter 321F (leasing and renting of vehicles) ($10,000 to $50,000) and for drivers while not engaged in a prearranged ride under Code chapter 321N (transportation network companies) ($25,000 to $50,000). Under current law, the minimum amount of coverage required under those circumstances is already $50,000 and $100,000 for bodily injury or death of one person and two or more persons, respectively. A person who violates a provision of Code chapter 321A which does not otherwise provide a penalty commits a serious misdemeanor, punishable by confinement for no more than one year and a fine of at least $430 but not more than $2,560. In addition, Code section 321.20B prohibits a person, including a transportation network company driver, from driving a motor vehicle unless financial liability coverage is in effect for the vehicle and the person carries proof of such coverage. By operation of law, the associated coverage amounts are increased by the bill. A person who violates Code section 321.20B commits a simple misdemeanor punishable by a $325 scheduled fine. If a violation is discovered in connection with a motor vehicle accident, the fine increases to $645. The person is also subject to possible removal of the vehicle’s registration plates and registration receipt, and impoundment of the vehicle. A person who violates a provision of Code chapter 321F is guilty of a simple misdemeanor. A simple misdemeanor is punishable by confinement for no more than 30 days and a fine of at least $105 but not more than $855.
AI Summary
This bill significantly increases the minimum insurance coverage amounts required for motor vehicles in Iowa, aiming to ensure greater financial responsibility in case of accidents. Specifically, it raises the minimum coverage for bodily injury or death of one person from $20,000 to $50,000, for bodily injury or death of two or more persons from $40,000 to $100,000, and for property damage from $15,000 to $50,000. These changes apply to various aspects of financial responsibility, including insurance policies, bonds, and judgments, as outlined in Code chapter 321A. The bill also updates the minimum property damage coverage for leased or rented vehicles under Code chapter 321F to $50,000 and for transportation network company (TNC) drivers, such as those for Uber or Lyft, when not actively engaged in a prearranged ride under Code chapter 321N, to $50,000. The bill introduces penalties for violations, classifying violations of Code chapter 321A that don't have specific penalties as serious misdemeanors, punishable by up to a year in jail and fines. It also clarifies penalties for violating Code section 321.20B, which requires drivers to have financial liability coverage and proof of it, as simple misdemeanors with escalating fines if discovered during an accident, and potential vehicle impoundment. Violations of Code chapter 321F are also classified as simple misdemeanors with associated fines and potential jail time.
Sponsors (0)
No sponsors listed
Other Sponsors (1)
Transportation (House)
Last Action
Introduced, placed on calendar. H.J. 233. (on 02/09/2026)
Official Document
bill text
bill summary
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bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://www.legis.iowa.gov/legislation/BillBook?ga=91&ba=HF2352 |
| BillText | https://www.legis.iowa.gov/docs/publications/LGI/91/attachments/HF2352.html |
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