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Read. Follow. Verify.Iowa Bill Requires Auto Insurance Settlements to Include Value of Child Restraint Systems
Last action · February 5, 2025: Subcommittee: Driscoll, Trone Garriott, and Webster. S.J. 203 .Sponsor: Trone Garriott
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What This Bill Would Do
Automobile insurers settling partial or total loss claims must include the value of any s located in the vehicle at the time of the loss, effective July 1, 2025.
Vehicle owners filing insurance claims for damaged or totaled cars will receive reimbursement for child car seats present during the incident, altering total payout calculations.
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
automobile insurance policyholders
Policyholders filing partial or total loss claims will have the value of child restraint systems included in their settlement calculations.
insurance providers
Insurers must adjust their loss settlement calculations to account for child restraint systems present in vehicles during a partial or total loss.
Key Facts
- Insurers providing automobile partial or total loss settlements must include the value of any child restraint system inside the vehicle during the loss.
- The requirement applies to automobile losses occurring on or after July 1, 2025.
- Automobile is defined by reference to section 321.1 as a motor vehicle designed primarily for carrying nine passengers or less, excluding motorcycles and motorized bicycles.
- Child restraint system is defined by reference to section 321.446 as a specially designed seating system meeting federal motor vehicle safety standards in 49 C.F.R. §571.213.
Frequently Asked Questions
What items must be added to an automobile insurance loss settlement under this bill?
When does this requirement take effect?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
Currently in committee. The next step in the legislative lifecycle is Floor Vote.
Procedural history
2 actions- Feb 5, 2025SenateSubcommittee: Driscoll, Trone Garriott, and Webster. S.J. 203 .
- Feb 5, 2025SenateIntroducedIntroduced, referred to Commerce. S.J. 201 .
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Sources
www.legis.iowa.gov
Analysis Score
0–100- Significance40How much this matters to a regular citizen
- Controversy10Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz20Current news / social attention level
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