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House
File
129
-
Introduced
HOUSE
FILE
129
BY
BERGAN
A
BILL
FOR
An
Act
relating
to
the
minimum
amounts
required
for
motor
1
vehicle
financial
responsibility,
and
making
penalties
2
applicable.
3
BE
IT
ENACTED
BY
THE
GENERAL
ASSEMBLY
OF
THE
STATE
OF
IOWA:
4
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129
Section
1.
Section
321A.1,
subsection
11,
Code
2025,
is
1
amended
to
read
as
follows:
2
11.
“Proof
of
financial
responsibility”
means
proof
of
3
ability
to
respond
in
damages
for
liability,
on
account
of
4
accidents
occurring
subsequent
to
the
effective
date
of
the
5
proof,
arising
out
of
the
ownership,
maintenance,
or
use
of
a
6
motor
vehicle,
in
the
amount
of
twenty
fifty
thousand
dollars
7
because
of
bodily
injury
to
or
death
of
one
person
in
any
one
8
accident,
and,
subject
to
the
limit
for
one
person,
the
amount
9
of
forty
one
hundred
thousand
dollars
because
of
bodily
injury
10
to
or
death
of
two
or
more
persons
in
any
one
accident,
and
the
11
amount
of
fifteen
fifty
thousand
dollars
because
of
injury
to
12
or
destruction
of
property
of
others
in
any
one
accident.
13
Sec.
2.
Section
321A.5,
subsection
3,
Code
2025,
is
amended
14
to
read
as
follows:
15
3.
A
policy
or
bond
is
not
effective
under
this
section
16
unless
issued
by
an
insurance
company
or
surety
company
17
authorized
to
do
business
in
this
state,
except
that
if
the
18
motor
vehicle
was
not
registered
in
this
state,
or
was
a
motor
19
vehicle
which
was
registered
elsewhere
than
in
this
state
at
20
the
effective
date
of
the
policy
or
bond,
or
the
most
recent
21
renewal
thereof,
the
policy
or
bond
is
not
effective
under
this
22
section
unless
the
insurance
company
or
surety
company
if
not
23
authorized
to
do
business
in
this
state
executes
a
power
of
24
attorney
authorizing
the
department
to
accept
service
on
its
25
behalf
of
notice
or
process
in
any
action
upon
the
policy
or
26
bond
arising
out
of
the
accident.
Every
such
policy
or
bond
27
is
subject,
if
the
accident
has
resulted
in
bodily
injury
or
28
death,
to
a
limit,
exclusive
of
interest
and
costs,
of
not
less
29
than
twenty
fifty
thousand
dollars
because
of
bodily
injury
30
to
or
death
of
one
person
in
any
one
accident
and,
subject
to
31
the
limit
for
one
person,
to
a
limit
of
not
less
than
forty
32
one
hundred
thousand
dollars
because
of
bodily
injury
to
or
33
death
of
two
or
more
persons
in
any
one
accident,
and,
if
the
34
accident
has
resulted
in
injury
to
or
destruction
of
property,
35
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129
to
a
limit
of
not
less
than
fifteen
fifty
thousand
dollars
1
because
of
injury
to
or
destruction
of
property
of
others
in
2
any
one
accident.
3
Sec.
3.
Section
321A.15,
subsection
1,
paragraphs
a,
b,
and
4
c,
Code
2025,
are
amended
to
read
as
follows:
5
a.
When
twenty
fifty
thousand
dollars
has
been
credited
upon
6
any
judgment
or
judgments
rendered
in
excess
of
that
amount
7
because
of
bodily
injury
to
or
death
of
one
person
as
the
8
result
of
any
one
accident.
9
b.
When,
subject
to
the
limit
of
twenty
fifty
thousand
10
dollars
because
of
bodily
injury
to
or
death
of
one
person,
the
11
sum
of
forty
one
hundred
thousand
dollars
has
been
credited
12
upon
any
judgment
or
judgments
rendered
in
excess
of
that
13
amount
because
of
bodily
injury
to
or
death
of
two
or
more
14
persons
as
the
result
of
any
one
accident.
15
c.
When
fifteen
fifty
thousand
dollars
has
been
credited
16
upon
any
judgment
or
judgments
rendered
in
excess
of
that
17
amount
because
of
injury
to
or
destruction
of
property
of
18
others
as
a
result
of
any
one
accident.
19
Sec.
4.
Section
321A.21,
subsection
2,
paragraph
b,
Code
20
2025,
is
amended
to
read
as
follows:
21
b.
Shall
insure
the
person
named
in
the
policy
and
any
other
22
person,
as
insured,
using
the
motor
vehicles
with
the
express
23
or
implied
permission
of
the
named
insured,
against
loss
from
24
the
liability
imposed
by
law
for
damages
arising
out
of
the
25
ownership,
maintenance,
or
use
of
the
motor
vehicles
within
the
26
United
States
of
America
or
the
Dominion
of
Canada,
subject
to
27
limits
exclusive
of
interest
and
costs,
with
respect
to
each
28
such
motor
vehicle,
twenty
fifty
thousand
dollars
because
of
29
bodily
injury
to
or
death
of
one
person
in
any
one
accident
30
and,
subject
to
said
limit
for
one
person,
forty
one
hundred
31
thousand
dollars
because
of
bodily
injury
to
or
death
of
two
or
32
more
persons
in
any
one
accident,
and
fifteen
fifty
thousand
33
dollars
because
of
injury
to
or
destruction
of
property
of
34
others
in
any
one
accident.
35
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Sec.
5.
Section
321F.1,
subsection
3,
paragraph
a,
Code
1
2025,
is
amended
to
read
as
follows:
2
a.
A
certificate
of
an
insurance
carrier
certifying
3
that
the
lessor
under
a
lease
is
insured
against
liability
4
for
a
judgment
in
the
amount
of
fifty
thousand
dollars
for
5
personal
injury
to
one
individual
and
in
an
aggregate
amount
6
of
one
hundred
thousand
dollars
for
personal
injuries
to
all
7
individuals
involved
in
a
single
accident,
and
in
the
amount
of
8
ten
fifty
thousand
dollars
for
property
damage,
resulting
from
9
any
such
single
accident
in
which
a
motor
vehicle
under
a
lease
10
is
involved;
or
11
Sec.
6.
Section
321N.4,
subsection
2,
paragraph
a,
Code
12
2025,
is
amended
to
read
as
follows:
13
a.
While
a
participating
transportation
network
company
14
driver
is
logged
on
to
a
transportation
network
company’s
15
digital
network
and
is
available
to
receive
requests
for
a
16
prearranged
ride,
but
is
not
engaged
in
a
prearranged
ride,
17
primary
automobile
insurance
maintained
pursuant
to
paragraph
18
“c”
shall
cover
the
driver
in
the
amount
of
at
least
fifty
19
thousand
dollars
because
of
bodily
injury
to
or
death
of
one
20
person
in
any
one
accident,
the
amount
of
at
least
one
hundred
21
thousand
dollars
because
of
bodily
injury
to
or
death
of
two
22
or
more
persons
in
any
one
accident,
and
the
amount
of
at
least
23
twenty-five
fifty
thousand
dollars
because
of
injury
to
or
24
destruction
of
property
of
others
in
any
one
accident.
25
EXPLANATION
26
The
inclusion
of
this
explanation
does
not
constitute
agreement
with
27
the
explanation’s
substance
by
the
members
of
the
general
assembly.
28
This
bill
increases
the
minimum
amounts
of
coverage
29
required
under
Code
chapter
321A
for
motor
vehicle
financial
30
responsibility
for
bodily
injury
or
death
of
one
person
31
($20,000
to
$50,000),
bodily
injury
or
death
of
two
or
more
32
persons
($40,000
to
$100,000),
and
property
damage
($15,000
to
33
$50,000).
The
bill
makes
corresponding
changes
to
provisions
34
regarding
associated
policies,
bonds,
and
judgments.
35
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The
bill
also
increases
the
minimum
amount
of
coverage
1
required
for
property
damage
for
evidence
of
financial
2
responsibility
under
Code
chapter
321F
(leasing
and
renting
3
of
vehicles)
($10,000
to
$50,000)
and
for
drivers
while
4
not
engaged
in
a
prearranged
ride
under
Code
chapter
321N
5
(transportation
network
companies)
($25,000
to
$50,000).
6
Under
current
law,
the
minimum
amount
of
coverage
required
7
under
those
circumstances
is
already
$50,000
and
$100,000
for
8
bodily
injury
or
death
of
one
person
and
two
or
more
persons,
9
respectively.
10
A
person
who
violates
a
provision
of
Code
chapter
321A
11
which
does
not
otherwise
provide
a
penalty
commits
a
serious
12
misdemeanor,
punishable
by
confinement
for
no
more
than
one
13
year
and
a
fine
of
at
least
$430
but
not
more
than
$2,560.
14
In
addition,
Code
section
321.20B
prohibits
a
person,
15
including
a
transportation
network
company
driver,
from
driving
16
a
motor
vehicle
unless
financial
liability
coverage
is
in
17
effect
for
the
vehicle
and
the
person
carries
proof
of
such
18
coverage.
By
operation
of
law,
the
associated
coverage
amounts
19
are
increased
by
the
bill.
A
person
who
violates
Code
section
20
321.20B
commits
a
simple
misdemeanor
punishable
by
a
$325
21
scheduled
fine.
If
a
violation
is
discovered
in
connection
22
with
a
motor
vehicle
accident,
the
fine
increases
to
$645.
The
23
person
is
also
subject
to
possible
removal
of
the
vehicle’s
24
registration
plates
and
registration
receipt,
and
impoundment
25
of
the
vehicle.
26
A
person
who
violates
a
provision
of
Code
chapter
321F
27
is
guilty
of
a
simple
misdemeanor.
A
simple
misdemeanor
is
28
punishable
by
confinement
for
no
more
than
30
days
and
a
fine
29
of
at
least
$105
but
not
more
than
$855.
30
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