All Roll Calls
Yes: 138 • No: 1
IowaHF 249791st General Assembly (2025–2026)House
A bill for an act relating to peer-to-peer car sharing programs. (Formerly HSB 602.) Effective date: 07/01/2026.
Sponsored By: COMMITTEE ON COMMERCE
Signed by Governor
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Bill Overview
Analyzed Economic Effects
7 provisions identified: 3 benefits, 2 costs, 2 mixed.
Liability protection for car sharing users
Beginning July 1, 2026, Iowa car sharing programs must assume owners’ liability for third-party injuries and property damage during sharing. Agreement limits cannot fall below Iowa’s minimum amounts under section 321A.21. This protection excludes owners who intentionally or fraudulently misstate or hide material facts, or help drivers prevent an agreed return. Programs must ensure primary liability insurance covers owners and drivers through an owner, driver, or program policy. That policy must recognize car sharing or not expressly prohibit it. If an owner’s or driver’s policy lapses or lacks required coverage, the program provides first-dollar coverage and defends covered claims. The owner-misconduct exceptions still apply. Coverage must address higher minimums in another state, up to the policy limit. Primary coverage also applies to disputed returns or disputed vehicle control when the program cannot provide required records. Owners and programs also gain protection from liability based solely on vehicle ownership, where consistent with federal law.
Owners’ insurance can exclude car sharing
Beginning July 1, 2026, vehicle policies may exclude coverage and legal defense for an owner’s car sharing activity. Exclusions can include liability, personal accident, uninsured or underinsured motorist, medical payments, comprehensive, and collision coverage. The law does not limit insurers’ ability to underwrite, cancel, or decline to renew policies. Owners may need to rely on other sharing-period coverage. An insurer that defends or pays an excluded sharing-period claim against an owner or driver may seek reimbursement from the program’s liability policy.
Car sharing users get clearer warnings
Beginning July 1, 2026, program agreements must list daily rates, fees, and insurance or protection-package charges for owners and drivers. They must explain coverage limits, sharing-period coverage, and when personal policies may not cover claims or provide legal defense. Agreements must also explain the program’s right to seek repayment for economic losses caused by an agreement breach. Roadside-assistance and customer-service phone numbers are required. For vehicles with liens, programs must warn owners at registration and immediately before offering the vehicle that sharing may violate the lender’s contract. That warning does not itself ban sharing or decide whether the contract is violated.
Sharing records help owners resolve claims
Beginning July 1, 2026, programs must collect and verify records for each shared vehicle. Records include agreement and sharing times, start and end locations, driver fees, and owner revenue. On request, programs must provide records to owners or an owner’s or driver’s insurer to handle sharing-period claims. Programs must retain these records for the period required by Iowa Code section 614.1(2).
License rules limit car sharing access
Beginning July 1, 2026, programs may make sharing agreements only with drivers in listed legal categories. Iowa residents need an Iowa license for the vehicle class. Nonresidents need a valid license from their home state or country for that class and must meet Iowa’s minimum age. People specifically authorized by Iowa to drive that vehicle class also qualify. Programs must permanently keep each driver’s name, address, license number, and issuing location. They must also keep license numbers and issuing locations for anyone else allowed to drive under the agreement.
Equipment protection for owners, driver repayment
Beginning July 1, 2026, programs are solely responsible for equipment used to monitor or support car sharing, including GPS devices. Programs must agree to cover owners for damage to or theft of equipment placed in or on vehicles during sharing. This protection does not apply when the owner caused the damage or theft. Programs may seek repayment from drivers for equipment loss or damage during sharing.
Recall safeguards limit shared car listings
Beginning July 1, 2026, programs must check for unrepaired safety recalls at owner registration and before first offering a vehicle. They must notify owners of recall requirements. Owners with actual notice of a recall must keep the vehicle unavailable until repaired. If already listed, owners must remove it as soon as practicable. If a driver has the vehicle, owners must promptly notify the program and address the recall repair.
Sponsors & Cosponsors
Sponsor
COMMITTEE ON COMMERCE
Affiliation unavailable
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
Senate vote • 3/4/2026
Passed Senate
Yes: 44 • No: 1
House vote • 3/3/2026
Passed House
Yes: 94 • No: 0
Actions Timeline
Signed by Governor.
4/9/2026HouseReported correctly enrolled, signed by Speaker and President, and sent to Governor.
4/9/2026HouseMessage from Senate.
3/4/2026HouseImmediate message.
3/4/2026SenatePassed Senate, yeas 44, nays 1.
3/4/2026SenateSubstituted for SF 2290.
3/4/2026SenateRead first time, attached to SF 2290.
3/4/2026SenateMessage from House.
3/4/2026SenateImmediate message.
3/3/2026HousePassed House, yeas 94, nays 0.
3/3/2026HouseAmendment H-8072 adopted.
3/3/2026HouseAmendment H-8072 filed.
3/2/2026HouseIntroduced, placed on calendar.
2/16/2026House
Bill Text
As Introduced
Enrolled
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