All Roll Calls
Yes: 138 • No: 1
IowaHF 249791st General Assembly (2025–2026)HouseWALLET
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: 6 benefits, 1 costs, 0 mixed.
Clear insurance and program liability during trips
Beginning July 1, 2026, the car sharing program is responsible for third‑party injuries and damage that happen during the sharing trip, at least up to Iowa’s minimum limits. This does not apply if an owner lies to the program or works with a driver to keep the car. The insurance for the trip is primary, fills higher out‑of‑state minimums up to the policy limit, and the program’s policy pays from the first dollar and defends the claim if an owner’s or driver’s policy has lapsed or does not apply. Program coverage does not have to wait for another insurer to deny a claim, and it becomes primary if there is a dispute about who controlled the car or whether it was returned and the program lacks required records. The required coverage can come from the owner, the driver, the program, or a mix; the program can hold an insurable interest and buy its own policies, and insurers who paid under excluded owner/driver policies can seek recovery from the program’s policy.
Limits on owner-only liability
Beginning July 1, 2026, Iowa aligns with the federal safe‑harbor that blocks lawsuits based only on owning a shared vehicle when that federal rule applies. This lowers the chance that owners or programs are held liable just for owning the car.
Personal auto policies can exclude sharing
Beginning July 1, 2026, your personal auto insurer can exclude accidents and damage that happen while your car is shared. The policy may refuse to defend or pay for injuries, property damage, medical payments, uninsured/underinsured motorist, and physical damage tied to sharing. Insurers keep their rights to underwrite, cancel, or not renew. You may face big repair or legal bills unless your policy clearly covers sharing or the program’s coverage applies.
Recall checks and device responsibility
Beginning July 1, 2026, programs must confirm there is no open safety recall on a car before it is shared. If you get a recall notice, you must pull the car from sharing and not relist it until it is repaired. The program is responsible for any monitoring equipment it installs on your car and must cover damage or theft of that gear unless you caused it. The program can seek payment from the driver if the driver caused the loss during the trip.
Trip records and driver ID kept
Beginning July 1, 2026, programs must keep verified records for each trip: start and end times, pickup and return locations, driver fees, and owner payouts. They must give these records to owners or insurers on request to handle claims. Programs must also keep permanent records of each driver’s name, address, and license details, and retain records for the time Iowa law requires.
Upfront fees, coverage, and lien warnings
Beginning July 1, 2026, programs must show owners and drivers the daily rate, all fees, and any insurance or protection package costs in the contract. The contract must list emergency contacts and warn that your personal policy may not cover program claims and what the program can recover for breaches. If your car has a lien, the program must warn you at sign‑up and again before you share that sharing may violate your loan agreement.
License and age rules to join
Beginning July 1, 2026, programs may only contract with people who have the right license and meet Iowa’s age rules. That includes Iowa residents with Iowa licenses, nonresidents with valid home‑state or country licenses who meet Iowa’s minimum age, or people the state specifically authorizes. Programs must check licenses and age before you join.
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.
4/9/2026GovernorReported correctly enrolled, signed by Speaker and President, and sent to Governor.
4/9/2026SenateMessage from Senate.
3/4/2026SenateImmediate message.
3/4/2026legislaturePassed Senate, yeas 44, nays 1.
3/4/2026SenateSubstituted for SF 2290.
3/4/2026legislatureRead first time, attached to SF 2290.
3/4/2026legislatureMessage from House.
3/4/2026HouseImmediate message.
3/3/2026legislaturePassed House, yeas 94, nays 0.
3/3/2026HouseAmendment H-8072 adopted.
3/3/2026legislatureAmendment H-8072 filed.
3/2/2026legislatureIntroduced, placed on calendar.
2/16/2026legislature
Bill Text
As Introduced
Enrolled
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