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STATE OF IOWA
KIM REYNOLDS
GOVERNOR
May 6, 2025
The Honorable Paul Pate
Secretary of State of Iowa
State Capitol
Des Moines, Iowa 50319
Dear Mr. Secretary,
I hereby transmit:
Senate File 573, an Act relating to motor vehicle glass repair, replacement, and insurance,
making penalties applicable, and including applicability provisions.
The above Senate File is hereby approved on this date.
Kim Reynolds
Governor of Iowa
cc: Secretary of the Senate
Clerk of the House
STATE CAPITOL DES MOINES, IOWA 50319 515.281.5211 FAX 515.725.3527 WWW.GOVERNOR.IOWA.GOV
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Senate File 573
AN ACT
RELATING TO MOTOR VEHICLE GLASS REPAIR, REPLACEMENT, AND
INSURANCE, MAKING PENALTIES APPLICABLE, AND INCLUDING
APPLICABILITY PROVISIONS.
BE IT ENACTED BY THE GENERAL ASSEMBLY OF THE STATE OF IOWA:
Section 1. NEW SECTION. 321B.1 Definitions.
As used in this chapter:
1. ' Advanced driver assistance system - means any motor
vehicle driving automation system that performs part or all
of the dynamic driving task, as described by the society of
automotive engineers international taxonomy and definitions for
terms related to driving automation systems for on- road motor
vehicles, under SAE J3016, as revised on April 30, 2021, and
Senate File 573, p. 2
that is designed to support the driver and motor vehicle in a
manner intended to do all of the following:
a. Enhance motor vehicle safety.
b. Reduce losses associated with motor vehicle crashes.
2. " Insurance producer'" means as defined in section 522B.1,
and includes an agent of such producer.
3. " Insured person - means a person that is entitled, or may
be entitled, to receive first- party benefits or payments under
an insurance policy, and includes an agent of such person.
4. " Insurer - means as defined in section 522B.1, and
includes an agent of an insurer.
5.Motor vehicle glass" means the glass and nonglass
parts associated with the replacement of the glass used in the
windshield, doors, or windows of a motor vehicle.
6. ' Motor vehicle glass repair shop - or - shop - means any
person who repairs or replaces damaged motor vehicle glass for
consideration.
7. Notice - means direct written communication including
communication conducted through electronic mail, text message,
or other electronic means which is directed to and easily
accessible by the consumer.
8. Repairing or replacing damaged motor vehicle glass
includes all of the following:
a. Inspecting, repairing, restoring, or replacing damaged
motor vehicle glass.
b. Calibrating or recalibrating an advanced driver
assistance system if the replacement of damaged motor vehicle
glass is required.
9. Rights or benefits under the policy - includes the insured
person's right to receive any and all post- loss benefits or
payments available or payable under an insurance policy,
including but not limited to claim payments.
Sec. 2. NEW SECTION. 321B.2 Prohibited post- loss benefit
assignment.
1. Prior to or after a claimed or covered loss for repair or
replacement of damaged motor vehicle glass, an insured person
shall not assign, delegate, or otherwise transfer, in whole or
in part, to any other person any of the following:
Senate File 573, p. 3
a. Duties under the policy.
b. Rights or benefits under the policy.
2. A contract that violates this section is void and
unenforceable.
3. Nothing in this section shall be construed to prohibit
an insured person from authorizing or directing payment to, or
paying, a person for services, materials, or any other expense
that may be or is covered under an insurance policy.
Sec. 3. NEW SECTION. 321B.3 Advanced driver assistance
systems.
1. Prior to repairing or replacing damaged motor vehicle
glass for an insured person, a motor vehicle glass repair shop
shall notify the insured person whether the motor vehicle has
an advanced driver assistance system. If the motor vehicle
has an advanced driver assistance system, the shop shall also
notify the insured person of all of the following:
a. Whether calibration or recalibration of the motor
vehicle's advanced driver assistance system is needed after
a windshield repair or replacement, in accordance with the
vehicle manufacturer's recommendations.
b. Whether the shop intends to calibrate or recalibrate the
advanced driver assistance system in a manner that meets the
motor vehicle manufacturer's specifications.
c. If the shop is not capable of performing, or does not
intend to perform, a calibration or recalibration, the shop
shall advise the insured person to take the motor vehicle
to the vehicle manufacturer's certified dealership or a
qualified specialist capable of performing the calibration or
recalibration.
2. If calibration or recalibration of the motor vehicle's
advanced driver assistance system is performed, the shop shall
provide notice to the insured person of whether the calibration
or recalibration was successful. If the calibration or
recalibration was not successful, the shop shall advise
the insured person to take the motor vehicle to the vehicle
manufacturer's certified dealership or a qualified specialist
capable of performing the calibration or recalibration.
Sec. 4. NEW SECTION. 321B.4 Motor vehicle glass repair
claims and practices.
Senate File 573, p. 4
1. A motor vehicle glass repair shop shall not contract with
a person to repair or replace damaged motor vehicle glass to be
paid for under a first- party insurance policy until verifying
all of the following:
a. The insured person has made a first- party claim for
repairing or replacing damaged motor vehicle glass under a
motor vehicle insurance policy.
b. The shop has received a claim or referral number for the
claim referenced under paragraph - a - .
c. The requirements of section 321B.3, subsection 1, were
followed.
2. A shop shall do all of the following:
a. Provide the insured person a good faith estimate of the
fees and costs that are anticipated to be charged for repairing
or replacing damaged motor vehicle glass.
b. Prior to performing any repair or replacement service,
provide the insured person an updated estimate.
3. After repairing or replacing damaged motor vehicle
glass, a shop shall provide the insured person all of the
following, as applicable:
a. An itemized invoice and, upon payment, a receipt.
b. Notice that states whether the advanced driver assistance
system was successfully calibrated or recalibrated.
C. If the calibration or recalibration was not successful,
notice advising the insured person to not rely on the advanced
driver assistance system until the system has been successfully
calibrated or recalibrated by the vehicle manufacturer's
certified dealership or a qualified specialist capable of
performing the calibration or recalibration.
Sec. 5. NEW SECTION. 321B.5 Prohibited acts.
1. A motor vehicle glass repair shop, and any other person
who is compensated for the solicitation of insurance claims,
shall not offer a rebate, gift, gift card, cash, coupon, fee,
prize, bonus, payment, incentive, inducement, or any other
thing of value to any insured person, insurance producer, or
other person in exchange for directing or making a claim under
a motor vehicle insurance policy for repair or replacement of
motor vehicle glass.
2. A shop shall not do any of the following:
Senate File 573, p. 5
a. Charge unreasonable fees or costs to an insured person
for repairing or replacing damaged motor vehicle glass. A fee
that exceeds an amount customarily charged for such service is
unreasonable.
b. Submit false, misleading, or incomplete documentation or
information to an insured person or an insurer for repairing or
replacing damaged motor vehicle glass.
c. Falsely sign a work order or other insurance- related form
relating to an insured person's claim, or potential claim, for
a repair or replacement of damaged motor vehicle glass.
d. Misrepresent the estimated fees and costs for repairing
or replacing damaged motor vehicle glass to an insured person
or insurer.
e. State that an insurer has approved repairing or replacing
damaged motor vehicle glass unless the shop
following:
( 1) Verifies coverage directly with, or
directly from, the insurance producer.
( 2) Obtains confirmation of the coverage or approval by any
form of written or recorded communication.
f. State that repairing or replacing damaged motor vehicle
glass will be paid for entirely by an insurer and at no cost to
the insured person unless such coverage has been verified by
the insurer.
3. With respect to an insured person's claim, or potential
claim, for repairing or replacing damaged motor vehicle glass,
a shop shall not do any of the following, which results, or
would result, in a higher insurance payment or a change of
insurance coverage status:
a. Indicate that work was performed in a geographical area
that was not the geographical area where the work occurred.
b. Advise an insured person to falsify the date of damage.
4. With respect to an insured person's claim or potential
claim for repairing or replacing damaged motor vehicle glass, a
shop shall not do any of the following:
a. Damage, or encourage an insured person to damage, the
motor vehicle in order to increase the scope of work necessary
to repair or replace damaged motor vehicle glass.
b. Perform work that is clearly and substantially beyond the
does all of the
obtains approval
Senate File 573, p. 6
level of work necessary to restore the motor vehicle to a safe
condition in accordance with accepted or approved reasonable
and customary techniques for repairing or replacing damaged
motor vehicle glass.
c. Misrepresent the shops relationship to an insured person
or an insurer.
d. Perform any other act that constitutes fraud or
misrepresentation.
5. Any notice or invoice required under this chapter shall
be issued using the same font and size of font as the invoice,
estimate, or receipt.
Sec. 6. NEW SECTION. 321B.6 Right to choose motor vehicle
glass repair shop.
1. An insured person that makes a first- party claim for
repairing or replacing damaged motor vehicle glass under a
motor vehicle insurance policy shall not be required to use a
particular motor vehicle glass repair shop to be paid claim
payments or receive other benefits under the policy.
2. Subsection 1 shall not be construed to do any of the
following:
a. Prohibit an insurer, insurance producer, insurance
adjuster, or any person acting on behalf of an insurer,
insurance producer, or insurance adjuster from recommending a
shop or providing an explanation to an insured person of the
coverage available, and any applicable liability limit, under
the person's insurance policy.
b. Prohibit an insurer from maintaining a network of motor
vehicle glass repair shops.
c. Create a private cause of action.
Sec. 7. NEW SECTION. 321B.7 Presumption.
It may be presumed that a motor vehicle glass repair shop
is acting knowingly in violation of section 321B.5 if the shop
engages in a regular and consistent pattern of a prohibited
activity.
Sec. 8. NEW SECTION. 321B.8 Penalty.
A person who violates a provision of this chapter commits an
unfair trade practice under chapter 507B.
Sec. 9. Section 507B.3, Code 2025, is amended by adding the
following new subsection:
President of the Senate
Senate File 573, p. 7
NEW SUBSECTION. 01. A person who violates a provision in
chapter 321B shall be deemed to have committed an unfair trade
practice under this chapter.
Sec. 10. APPLICABILITY. This Act applies to insurance
policies issued or renewed on or after the effective date of
this Act.
r
PAT GRASSLEY
Speaker of the House
I hereby certify that this bill originated in the Senate and
is known as Senate File 573, Ninety-first General Assembly.
Approved , 2025
W. CHARLES SMITHSON