IowaSF 57391st General Assembly (2025–2026)Senate

A bill for an act relating to motor vehicle glass repair, replacement, and insurance, making penalties applicable, and including applicability provisions. (Formerly SSB 1192.) Effective date: 07/01/2025. Applicability date: 07/01/2025.

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Bill Overview

Analyzed Economic Effects

4 provisions identified: 3 benefits, 1 costs, 0 mixed.

Clearer Glass Repair Costs And Safety

These rules cover Iowa policies issued or renewed on or after July 1, 2025. Before contracting for insurance-paid glass work, shops must verify the claim, obtain its claim or referral number, and make required safety disclosures. Shops must give a good-faith cost estimate, update it before work as needed, and provide an itemized bill and receipt upon payment. Before work, shops must disclose whether the vehicle has driver-assistance systems, whether calibration is needed under manufacturer recommendations, and whether they plan to calibrate to manufacturer standards. Shops must report calibration results and recommend a manufacturer-certified dealer or qualified specialist if calibration is not done or fails. After failed calibration, they must warn against relying on the system until it is properly calibrated. Required notices and invoices must use the same font and size as the estimate, bill, or receipt.

Drivers Choose Their Glass Repair Shop

These rules cover Iowa policies issued or renewed on or after July 1, 2025. For a glass claim under your own policy, your insurer cannot require a particular shop as a condition of payment or benefits. Insurers may still recommend shops, maintain repair networks, and explain policy coverage and payment limits. The shop-choice rule does not create a separate right to sue.

Stronger Protections Against Glass Claim Fraud

These rules cover Iowa policies issued or renewed on or after July 1, 2025. Glass shops and paid claim solicitors cannot offer rewards in exchange for making or directing an insurance claim. Shops cannot charge unreasonable fees, submit false or incomplete records, falsify signatures, mislead customers, cause or encourage vehicle damage, or do substantially unnecessary work. They cannot misstate where work occurred or urge false damage dates to increase insurance payments or change coverage. Claims of insurer approval require direct coverage verification or insurance-producer approval, plus written or recorded confirmation; promises of fully covered, no-cost repairs require insurer verification. A regular, consistent pattern of banned activity supports a presumption that a shop acted knowingly. Violations of the glass rules count as unfair trade practices and carry existing enforcement remedies and sanctions.

Drivers Cannot Transfer Glass Claim Rights

These rules cover Iowa policies issued or renewed on or after July 1, 2025. You cannot transfer policy duties, rights, or benefits for damaged vehicle glass, either before or after a loss. Any contract making that transfer is void and cannot be enforced. You can still direct payment to the glass shop or pay it yourself.

Sponsors & Cosponsors

Sponsor

COMMITTEE ON COMMERCE
Affiliation unavailable

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 187 • No: 0

Senate vote • 4/28/2025

Passed Senate

Yes: 49 • No: 0

House vote • 4/21/2025

Passed House

Yes: 91 • No: 0

Senate vote • 3/19/2025