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2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321 - MOTOR VEHICLES AND LAW OF THE ROAD › Section 321.515 - Operation.

321.515 Operation.
1. A driverless-capable vehicle may operate on the public highways of this state without a conventional human driver physically present in the vehicle, if the vehicle meets all of the following conditions:
a. The vehicle is capable of achieving a minimal risk condition if a malfunction of the automated driving system occurs that renders the system unable to perform the entire dynamic driving task within the system’s intended operational design domain, if any.
b. While in driverless operation, the vehicle is capable of operating in compliance with the applicable traffic and motor vehicle safety laws and regulations of this state that govern the performance of the dynamic driving task, unless an exemption has been granted to the vehicle by the department.
c. The vehicle has been certified by the vehicle’s manufacturer to be in compliance with all applicable federal motor vehicle safety standards, except to the extent an exemption has been granted for the vehicle under applicable federal law or by the national highway traffic safety administration.
2. a. The operation of a system-equipped vehicle capable of performing the entire dynamic driving task within the automated driving system’s operational design domain on the public highways of this state while a conventional human driver is present in the vehicle shall be lawful. During such operation, the conventional human driver shall possess a valid driver’s license pursuant to section 321.174 and shall be subject to the financial liability coverage requirements and penalties set forth under section 321.20B. The conventional human driver shall operate the system-equipped vehicle according to the manufacturer’s requirements and specifications, and shall regain manual control of the vehicle when prompted by the automated driving system.
b. An automated driving system, while engaged, shall be designed to operate within the system’s operational design domain in compliance with the applicable traffic and motor vehicle safety laws and regulations of this state that govern the performance of the dynamic driving task, unless an exemption has been granted to the vehicle by the department.
3. Except as provided in this section, the motor vehicle laws of this state shall not be construed to require a conventional human driver to operate a driverless-capable vehicle that is being operated by an automated driving system. The automated driving system, while engaged, shall be deemed to fulfill any physical acts required of a conventional human driver to perform the dynamic driving task.
2019 Acts, ch 75, §2
Referred to in §321.514, 321.519
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321 - MOTOR VEHICLES AND LAW OF THE ROAD › Section 321.516 - Insurance.

321.516 Insurance.
Before a system-equipped vehicle is allowed to operate on the public highways of this state, the owner shall obtain financial liability coverage for the vehicle. A system-equipped vehicle shall not operate on the highways of this state unless financial liability coverage is in effect for the vehicle and unless proof of financial liability coverage is carried in the vehicle pursuant to section 321.20B.
2019 Acts, ch 75, §3
Referred to in §321.514, 321.519
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321 - MOTOR VEHICLES AND LAW OF THE ROAD › Section 321.517 - Accidents.

321.517 Accidents.
In the event of an accident in which a system-equipped vehicle is involved, the vehicle shall remain at the scene of the accident and the operation of the vehicle shall otherwise comply with sections 321.261 through 321.273 where applicable and to the extent possible, and the vehicle’s owner or a person on behalf of the vehicle’s owner shall promptly report the accident to law enforcement authorities. If a system-equipped vehicle fails to remain at the scene of an accident or the operation of the vehicle fails to otherwise comply with sections 321.261 through 321.273 where applicable and to the extent possible as required by this section, the vehicle’s failure shall be imputed to the vehicle’s owner, and the vehicle’s owner may be charged and convicted of a violation of sections 321.261 through 321.273, as applicable.
2019 Acts, ch 75, §4
Referred to in §321.514, 321.519
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321 - MOTOR VEHICLES AND LAW OF THE ROAD › Section 321.518 - On-demand driverless-capable vehicle network.

321.518 On-demand driverless-capable vehicle network.
A person may operate an on-demand driverless-capable vehicle network. An on-demand driverless-capable vehicle network may be used to facilitate the transportation of persons or goods, including transportation for hire as defined in section 325A.1, and public transportation. An on-demand driverless-capable vehicle network may connect passengers to driverless-capable vehicles either exclusively or as part of a digital network that also connects passengers to conventional human drivers who provide transportation services, consistent with chapter 321N or any other applicable laws, in vehicles that are not driverless-capable vehicles.
2019 Acts, ch 75, §5
Referred to in §321.514, 321.519
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321 - MOTOR VEHICLES AND LAW OF THE ROAD › Section 321.519 - Authority.

321.519 Authority.
1. Automated driving systems and system-equipped vehicles shall be governed by sections 321.514 through 321.518, this section, and all applicable traffic and motor vehicle safety laws and regulations of this state. Automated driving systems and system-equipped vehicles shall be regulated exclusively by the department. The department may adopt rules pursuant to chapter 17A to administer sections 321.514 through 321.518, and this section.
2. A political subdivision of the state shall not impose requirements, including but not limited to performance standards, specific to the operation of system-equipped vehicles, automated driving systems, or on-demand driverless-capable vehicle networks that are in addition to the requirements set forth under sections 321.514 through 321.518. A political subdivision of the state shall not impose a tax on system-equipped vehicles, automated driving systems, or on-demand driverless-capable vehicle networks where such tax relates specifically to the operation of system-equipped vehicles, automated driving systems, or on-demand driverless-capable vehicle networks.
3. Sections 321.514 through 321.518 and this section do not apply to personal delivery devices operated pursuant to chapter 321O.
2019 Acts, ch 75, §6; 2021 Acts, ch 119, §2
Referred to in §321.514
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321 - MOTOR VEHICLES AND LAW OF THE ROAD › Section 321.555 - Habitual offender defined.

321.555 Habitual offender defined.
As used in this section and sections 321.556 through 321.562, “habitual offender” means any person who has accumulated convictions for separate and distinct offenses described in subsection 1, 2, or 3, committed after July 1, 1974, for which final convictions have been rendered, as follows:
1. Three or more of the following offenses, either singularly or in combination, within a six-year period:
a. Manslaughter resulting from the operation of a motor vehicle.
b. Operating a motor vehicle in violation of section 321J.2 or its predecessor statute.
c. Driving a motor vehicle while the person’s driver’s license is suspended, denied, revoked, or barred.
d. Perjury or the making of a false affidavit or statement under oath to the department of public safety.
e. An offense punishable as a felony under the motor vehicle laws of Iowa or any felony in the commission of which a motor vehicle is used.
f. Failure to stop and leave information, to render aid, or to otherwise comply with sections 321.261 and 321.263.
g. Eluding or attempting to elude a pursuing law enforcement vehicle in violation of section 321.279.
h. Serious injury by a vehicle in violation of section 707.6A, subsection 4.
2. Six or more of any separate and distinct offenses within a two-year period in the operation of a motor vehicle, which are required to be reported to the department by section 321.491 or chapter 321C, except equipment violations, parking violations as defined in section 321.210, violations of registration laws, violations of sections 321.445 and 321.446, violations of section 321.276, operating a vehicle with an expired license or permit, failure to appear, weights and measures violations and speeding violations of less than fifteen miles per hour over the legal speed limit.
3. The offenses included in subsections 1 and 2 shall be deemed to include offenses under any valid town, city or county ordinance paralleling and substantially conforming to the provisions of the Code concerning such offenses.
[C75, 77, 79, 81, §321.555; 82 Acts, ch 1167, §10]
84 Acts, ch 1016, §4; 84 Acts, ch 1022, §9; 86 Acts, ch 1009, §3; 86 Acts, ch 1220, §37; 89 Acts, ch 296, §36; 90 Acts, ch 1230, §74 – 76; 93 Acts, ch 87, §8; 97 Acts, ch 104, §24; 97 Acts, ch 177, §2; 98 Acts, ch 1073, §9; 2010 Acts, ch 1105, §8; 2014 Acts, ch 1092, §79; 2021 Acts, ch 180, §5
Referred to in §321.213, 321.215, 321.556, 321.560, 321.562
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321 - MOTOR VEHICLES AND LAW OF THE ROAD › Section 321.560 - Period of revocation — temporary restricted licenses.

321.560 Period of revocation — temporary restricted licenses.
1. A license to operate a motor vehicle in this state shall not be issued to any person declared to be a habitual offender under section 321.555, subsection 1, for a period of not less than two years nor more than six years from the date of the final decision of the department under section 17A.19 or the date on which the district court upholds the final decision of the department, whichever occurs later.
a. A temporary restricted license may be issued pursuant to section 321.215, subsection 2, to a person declared to be a habitual offender under section 321.555, subsection 1, paragraph “c”.
b. A temporary restricted license may be issued pursuant to section 321J.20 to a person declared to be a habitual offender due to a combination of the offenses listed under section 321.555, subsection 1, paragraphs “b” and “c”.
2. A license to operate a motor vehicle in this state shall not be issued to any person declared to be a habitual offender under section 321.555, subsection 2, for a period of one year from the date of the final decision of the department under section 17A.19 or the date on which the district court upholds the final decision of the department, whichever occurs later.
3. The department shall adopt rules under chapter 17A that establish a point system which shall be used to determine the period for which a person who is declared to be a habitual offender under section 321.555, subsection 1, shall not be issued a license.
4. A person who is determined to be a habitual offender while the person’s license is already revoked for being a habitual offender under section 321.555 shall not be issued a license to operate a motor vehicle in this state for a period of not less than two years nor more than six years. The revocation period may commence either on the date of the final decision of the department under section 17A.19 or the date on which the district court upholds the final decision of the department, whichever occurs later, or on the date the previous revocation expires.
[C75, 77, 79, 81, §321.560]
95 Acts, ch 143, §3; 96 Acts, ch 1034, §26; 97 Acts, ch 108, §31; 2000 Acts, ch 1138, §2; 2001 Acts, ch 132, §13; 2002 Acts, ch 1119, §154; 2010 Acts, ch 1097, §2; 2018 Acts, ch 1110, §1, 9
Referred to in §321.215, 321.555, 321.556, 321.561, 321.562, 321J.20
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321 - MOTOR VEHICLES AND LAW OF THE ROAD › Section 321.561 - Punishment for violation.

321.561 Punishment for violation.
It shall be unlawful for any person found to be a habitual offender to operate any motor vehicle in this state during the period of time specified in section 321.560 except for a habitual offender who has been granted a temporary restricted license pursuant to section 321.215, subsection 2. A person violating this section commits an aggravated misdemeanor.
[C75, 77, 79, 81, §321.561]
87 Acts, ch 34, §1; 95 Acts, ch 143, §4; 96 Acts, ch 1034, §27; 2001 Acts, ch 132, §14
Referred to in §321.555, 321.562, 321J.4B
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321 - MOTOR VEHICLES AND LAW OF THE ROAD › Section 321.562 - Rule of construction.

321.562 Rule of construction.
Nothing in sections 321.555 through 321.561 or this section shall be construed as amending, modifying, or repealing any existing law of this state or any ordinance of any political subdivision relating to the operation of motor vehicles, the licensing of persons to operate motor vehicles, or providing penalties for the violation thereof.
[C75, 77, 79, 81, §321.562]
2014 Acts, ch 1092, §80
Referred to in §321.555
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.2 - Department to administer chapter — judicial review.

321A.2 Department to administer chapter — judicial review.
1. a. The department shall administer and enforce the provisions of this chapter and may make rules necessary for its administration and shall provide for hearings upon request of persons aggrieved by orders or acts of the department under the provisions of sections 321A.4 through 321A.11.
b. The hearings shall be held before the department as early as practicable within not to exceed twenty days after receipt of the request in the county in which the requesting person resides unless the department and the requesting person agree that the hearing may be held in some other county. Upon hearing the department may administer oaths and may issue subpoenas for the attendance of witnesses and the production of relevant books and papers and may require an examination under oath of the person requesting the hearing.
2. Judicial review of the actions of the department may be sought in accordance with the terms of the Iowa administrative procedure Act, chapter 17A.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.2]
88 Acts, ch 1278, §34; 92 Acts, ch 1175, §43; 2003 Acts, ch 44, §114; 2010 Acts, ch 1061, §180; 2021 Acts, ch 80, §180
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.4 - Effect of failure to report accidents.

321A.4 Effect of failure to report accidents.
The department shall suspend the license or any nonresident’s operating privilege of any person who willfully fails, refuses, or neglects to make reports of a traffic accident as required by the laws of this state.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.4]
92 Acts, ch 1175, §43
Referred to in §321A.2, 321A.8, 321A.9, 321A.10, 321A.11, 321A.33
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.7 - Duration of suspension.

321A.7 Duration of suspension.
If a person’s license and registration or nonresident’s operating privilege has been suspended as provided in section 321A.5, that license and registration or privilege shall remain suspended and shall not be renewed and a new license or registration shall not be issued to that person until one of the following has occurred:
1. The person deposits, or there is deposited on the person’s behalf, the security required under section 321A.5.
2. Twelve months have elapsed after such accident and the department has not been notified by any party to the action or an attorney for any party that an action for damages arising out of such accident has been instituted within one year from the date of the accident.
3. Evidence satisfactory to the department has been filed with the department of a release from liability, or a final adjudication of nonliability, or a warrant for confession of judgment, or a duly acknowledged written agreement, in accordance with section 321A.6, subsection 4. If, however, there is any default in the payment of any installment under any confession of judgment, then, upon notice of such default, the department shall immediately suspend the license and registration or nonresident’s operating privilege of such person defaulting which shall not be restored unless and until the entire amount provided for in said confession of judgment has been paid. In addition, if there is any default in the payment of any installment under any duly acknowledged written agreement, then, upon notice of such default, the department shall immediately suspend the license and registration or nonresident’s operating privilege of that person defaulting and the license and registration or nonresident’s operating privilege shall not be restored unless and until one of the following occurs:
a. Such person deposits and thereafter maintains security as required under section 321A.5 in such amount as the department may then determine.
b. Twelve months have elapsed after such security was required and the department has not been notified by any party to the action or an attorney for any party that an action upon such an agreement has been instituted in a court in this state within one year after such security was required.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.7]
92 Acts, ch 1175, §43; 2009 Acts, ch 133, §124
Referred to in §321A.2, 321A.8, 321A.9, 321A.10, 321A.11
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.8 - Application to unlicensed drivers and unregistered motor vehicles.

321A.8 Application to unlicensed drivers and unregistered motor vehicles.
In case the operator or the owner of a motor vehicle involved in an accident within this state has no license or registration, the operator or owner shall not be allowed a license or registration until the operator or owner has complied with the requirements of sections 321A.4 through 321A.7, this section, and sections 321A.9 through 321A.11 to the same extent that would be necessary if, at the time of the accident, the operator or owner had held a license and registration.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.8]
2014 Acts, ch 1092, §81
Referred to in §321A.2, 321A.9, 321A.10, 321A.11
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.9 - Form and amount of security.

321A.9 Form and amount of security.
1. The security required under sections 321A.4 through 321A.8, this section, and sections 321A.10 and 321A.11 shall be in such form and in such amount as the department may require but in no case in excess of the limits specified in section 321A.5 in reference to the acceptable limits of a policy or bond. The person depositing security shall specify in writing the person or persons on whose behalf the deposit is made and, at any time while such deposit is in the custody of the department or state treasurer, the person depositing it may, in writing, amend the specification of the person or persons on whose behalf the deposit is made to include an additional person or persons; provided, however, that a single deposit of security shall be applicable only on behalf of persons required to furnish security because of the same accident.
2. The department may reduce the amount of security ordered in any case within six months after the date of the accident if, in the department’s judgment, the amount ordered is excessive. In case the security originally ordered has been deposited the excess deposited over the reduced amount ordered shall be returned to the depositor or the depositor’s personal representative forthwith, notwithstanding the provisions of section 321A.10.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.9]
92 Acts, ch 1175, §43; 2014 Acts, ch 1092, §82
Referred to in §321A.2, 321A.8, 321A.10, 321A.11
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.10 - Custody, disposition, and return of security.

321A.10 Custody, disposition, and return of security.
1. Security deposited in compliance with the requirements of sections 321A.4 through 321A.9, this section, and section 321A.11 shall be placed by the department in the custody of the state treasurer and shall be applicable only to the payment of a judgment or judgments rendered against the person or persons on whose behalf the deposit was made, for damages arising out of the accident in question in an action at law, begun not later than one year after the date of such accident, or within one year after the date of deposit of any security under section 321A.7, subsection 3.
2. The deposit or any balance of the deposit shall be returned to the depositor or the depositor’s personal representative when evidence satisfactory to the department has been filed with the department that one of the following has occurred:
a. There has been a release from liability, or a final adjudication of nonliability, or a warrant for confession of judgment, or a duly acknowledged agreement, in accordance with section 321A.6, subsection 4.
b. Whenever, after the expiration of one year from the date of the accident, or within one year after the date of deposit of any security under section 321A.7, subsection 3, the department is given reasonable evidence that there is no action for damages arising out of the accident pending and no judgment rendered in any such action has been left unpaid.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.10]
92 Acts, ch 1175, §43; 2014 Acts, ch 1092, §83; 2021 Acts, ch 80, §181
Referred to in §321A.2, 321A.8, 321A.9, 321A.11
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.11 - Matters not to be evidence in civil suits.

321A.11 Matters not to be evidence in civil suits.
Neither the report required by section 321A.4, the action taken by the department pursuant to sections 321A.4 through 321A.10 and this section, the findings, if any, of the department upon which action is based, nor the security filed as provided in said sections shall be referred to in any way, or be any evidence of the negligence or due care of either party, at the trial of any action at law to recover damages.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.11]
92 Acts, ch 1175, §43; 2020 Acts, ch 1063, §158
Referred to in §321A.2, 321A.8, 321A.9, 321A.10
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.12 - Courts to report nonpayment of judgments.

321A.12 Courts to report nonpayment of judgments.
1. Whenever any person fails within sixty days to satisfy any judgment, it shall be the duty of the clerk of the district court, or of the judge of a court which has no clerk, in which any such judgment is rendered within this state, to forward to the department immediately after the expiration of the sixty days and upon written request of the judgment creditor, a certified copy of such judgment.
2. If the defendant named in any certified copy of a judgment reported to the department is a nonresident, the department shall transmit a certified copy of the judgment to the official in charge of the issuance of licenses and registration certificates of the state of which the defendant is a resident.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.12]
92 Acts, ch 1175, §43; 99 Acts, ch 144, §5
Referred to in §321A.13, 602.8102(53)
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.13 - Suspension for nonpayment of judgments — exceptions.

321A.13 Suspension for nonpayment of judgments — exceptions.
1. The department upon receipt of a certified copy of a judgment, shall forthwith suspend the license and registration and any nonresident’s operating privilege of any person against whom such judgment was rendered, except as hereinafter otherwise provided in this section and in section 321A.16.
2. If the judgment creditor consents in writing, in such form as the department may prescribe, that the judgment debtor be allowed license and registration or nonresident’s operating privilege, the same may be allowed by the department, in the department’s discretion, for six months from the date of such consent and thereafter until such consent is revoked in writing, notwithstanding default in the payment of such judgment, or of any installments thereof prescribed in section 321A.16, provided the judgment debtor furnishes proof of financial responsibility.
3. Any person whose license, registration, or nonresident’s operating privilege has been suspended or is about to be suspended or shall become subject to suspension under the provisions of section 321A.12, this section, and sections 321A.14 through 321A.29 may be relieved from the effect of the judgment as prescribed in those sections by filing with the department an affidavit stating that at the time of the accident upon which the judgment has been rendered the affiant was insured, that the insurer is liable to pay the judgment, and the reason, if known, why the insurance company has not paid such judgment. Such a person shall also file the original policy of insurance or a certified copy thereof, if available, and such other documents as the department may require to show that the loss, injury, or damage for which the judgment was rendered, was covered by the policy of insurance. If the department is satisfied that the insurer was authorized to issue the policy of insurance at the time and place of issuing the policy and that the insurer is liable to pay the judgment, at least to the extent and for the amounts required in this chapter, the department shall not suspend the person’s license or registration or nonresident’s operating privilege or, if already suspended, shall reinstate them.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.13]
92 Acts, ch 1175, §43; 2014 Acts, ch 1092, §84; 2020 Acts, ch 1063, §159
Referred to in §321A.14
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.14 - Suspension to continue until judgments paid and proof given.

321A.14 Suspension to continue until judgments paid and proof given.
A license, registration, and nonresident’s operating privilege shall remain suspended under section 321A.13, and shall not be renewed, nor shall any such license or registration be subsequently issued in the name of the person, including any person not previously licensed, until every judgment is satisfied in full or to the extent provided in this chapter, or until evidence is provided, to the satisfaction of the department, that the judgment has not been renewed and is no longer enforceable. A person whose license, registration, or nonresident’s operating privilege was suspended under section 321A.13 must provide proof to the department of financial responsibility subject to the exemptions stated in sections 321A.13 and 321A.16 prior to obtaining a license, registration, or nonresident’s operating privilege.
[C31, 35, §5079-c4; C39, §5021.01; C46, §321.275; C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.14]
87 Acts, ch 14, §1; 2001 Acts, ch 132, §15; 2020 Acts, ch 1063, §160
Referred to in §321A.13
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.15 - Payments sufficient to satisfy requirements.

321A.15 Payments sufficient to satisfy requirements.
1. Judgments referred to in this chapter shall, for the purpose of this chapter only, be deemed satisfied when the following occur:
a. When twenty thousand dollars has been credited upon any judgment or judgments rendered in excess of that amount because of bodily injury to or death of one person as the result of any one accident.
b. When, subject to the limit of twenty thousand dollars because of bodily injury to or death of one person, the sum of forty thousand dollars has been credited upon any judgment or judgments rendered in excess of that amount because of bodily injury to or death of two or more persons as the result of any one accident.
c. When fifteen thousand dollars has been credited upon any judgment or judgments rendered in excess of that amount because of injury to or destruction of property of others as a result of any one accident.
2. Provided, however, payments made in settlements of any claims because of bodily injury, death, or property damage arising from a motor vehicle accident shall be credited in reduction of the amounts provided for in this section.
[C31, 35, §5079-c4; C39, §5021.02; C46, §321.276; C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.15]
2022 Acts, ch 1021, §77
Referred to in §321A.13
Subsection 1 amended
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.16 - Installment payment of judgments — default.

321A.16 Installment payment of judgments — default.
1. A judgment debtor upon due notice to the judgment creditor may apply to the court in which such judgment was rendered for the privilege of paying such judgment in installments and the court, in its discretion and without prejudice to any other legal remedies which the judgment creditor may have, may so order and fix the amounts and times of payment of the installments.
2. The department shall not suspend a license, registration, or nonresident’s operating privilege, and shall restore any license, registration, or nonresident’s operating privilege suspended following nonpayment of a judgment, when the judgment debtor gives proof of financial responsibility and obtains such an order permitting the payment of such judgment in installments, and while the payment of any said installment is not in default.
3. In the event the judgment debtor fails to pay any installment as specified by such order, then upon notice of such default, the department shall forthwith suspend the license, registration, or nonresident’s operating privilege of the judgment debtor until such judgment is satisfied, as provided in this chapter.
[C31, 35, §5079-c4; C39, §5021.02; C46, §321.276; C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.16]
92 Acts, ch 1175, §43
Referred to in §321A.13, 321A.14
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.18 - Alternate methods of giving proof.

321A.18 Alternate methods of giving proof.
Proof of financial responsibility when required under this chapter may be given by filing any of the following:
1. A certificate of insurance as provided in section 321A.19 or section 321A.20.
2. A bond as provided in section 321A.24.
3. A certificate of deposit as provided in section 321A.25.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.18]
2000 Acts, ch 1025, §2, 6; 2013 Acts, ch 37, §2
Referred to in §321A.13
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.19 - Certificate of insurance as proof.

321A.19 Certificate of insurance as proof.
1. Proof of financial responsibility may be furnished by filing with the department the written certificate of any insurance carrier duly authorized to do business in this state certifying that there is in effect a motor vehicle liability policy for the benefit of the person required to furnish proof of financial responsibility. Such certificate shall give the effective date of such motor vehicle liability policy, which date shall be the same as the effective date of the certificate, and shall designate by explicit description or by appropriate reference all motor vehicles covered thereby, unless the policy is issued to a person who is not the owner of a motor vehicle.
2. No motor vehicle shall be or continue to be registered in the name of any person required to file proof of financial responsibility unless such motor vehicle is so designated in such a certificate.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.19]
92 Acts, ch 1175, §43
Referred to in §321A.13, 321A.18, 321A.21, 321A.22
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.20 - Certificate furnished by nonresident as proof.

321A.20 Certificate furnished by nonresident as proof.
1. The nonresident owner of a motor vehicle not registered in this state may give proof of financial responsibility by filing with the department a written certificate or certificates of an insurance carrier authorized to transact business in the state in which the motor vehicle, or motor vehicles, described in such certificate is registered, or if such nonresident does not own a motor vehicle, then in the state in which the insured resides, provided such certificate otherwise conforms with the provisions of this chapter, and the department shall accept the same upon condition that said insurance carrier complies with the following provisions with respect to the policies so certified:
a. Said insurance carrier shall execute a power of attorney authorizing the department to accept service on its behalf of notice or process in any action arising out of a motor vehicle accident in this state.
b. Said insurance carrier shall agree in writing that such policies shall be deemed to conform with the laws of this state relating to the terms of motor vehicle liability policies issued herein.
2. If any insurance carrier not authorized to transact business in this state, which has qualified to furnish proof of financial responsibility, defaults in any said undertakings or agreements, the department shall not thereafter accept as proof any certificate of said carrier whether theretofore filed or thereafter tendered as proof, so long as such default continues.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.20]
92 Acts, ch 1175, §43
Referred to in §321A.13, 321A.18, 321A.21, 321A.22
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.22 - Notice of cancellation or termination of certified policy.

321A.22 Notice of cancellation or termination of certified policy.
When an insurance carrier has certified a motor vehicle liability policy under section 321A.19 or section 321A.20, the insurance so certified shall not be canceled or terminated until at least ten days after a notice of cancellation or termination of the insurance so certified shall be filed in the office of the department, except that such a policy subsequently procured and certified shall, on the effective date of its certification, terminate the insurance previously certified with respect to any motor vehicle designated in both certificates.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.22]
92 Acts, ch 1175, §43
Referred to in §321A.13
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.23 - Chapter not to affect other policies.

321A.23 Chapter not to affect other policies.
1. This chapter shall not be held to apply to or affect policies of automobile insurance against liability which may be required by any other law of this state, and such policies, if they contain an agreement or are endorsed to conform with the requirements of this chapter, may be certified as proof of financial responsibility under this chapter.
2. This chapter shall not be held to apply to or affect policies insuring solely the insured named in the policy against liability resulting from the maintenance or use by persons in the insured’s employ or on the insured’s behalf of motor vehicles not owned by the insured.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.23]
2021 Acts, ch 80, §182
Referred to in §321A.13
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.25 - Certificate of deposit as proof.

321A.25 Certificate of deposit as proof.
1. Proof of financial responsibility may be evidenced by filing with the department fifty-five thousand dollars in the form of a certificate of deposit made payable to the department. The certificate of deposit shall be obtained from an Iowa financial institution in the amount of fifty-five thousand dollars plus any early withdrawal penalty fee. Upon receipt of the certificate of deposit, the department shall issue to the person a security insurance card for each motor vehicle registered in this state by the person. The security insurance card shall state the name and address of the person and the registration number of the motor vehicle for which the card is issued. The department shall not accept a certificate of deposit unless accompanied by evidence that there are no unsatisfied judgments of any character against the person in the county where the person resides.
2. Such certificate of deposit shall be held by the department to satisfy, in accordance with this chapter, any execution on a judgment issued against the person filing the certificate of deposit, for damages, including damages for care and loss of services, because of bodily injury to or death of any person, or for damages because of injury to or destruction of property, including the loss of use of property, resulting from the ownership, maintenance, use, or operation of a motor vehicle after the certificate of deposit was filed. A certificate of deposit so filed shall not be subject to attachment or execution unless the attachment or execution arises out of a suit for damages as previously provided in this subsection.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.25]
92 Acts, ch 1175, §43; 97 Acts, ch 139, §9, 17; 2000 Acts, ch 1025, §3, 6; 2013 Acts, ch 37, §3
Referred to in §321.1, 321A.13, 321A.18
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.26 - Owner may give proof for others.

321A.26 Owner may give proof for others.
Whenever any person required to give proof of financial responsibility under this chapter is or later becomes an operator in the employ of any owner, or is or later becomes a member of the immediate family or household of the owner, the department shall accept proof given by such owner in lieu of proof by such other person to permit such other person to operate a motor vehicle for which the owner has given proof as provided in this subchapter or has qualified as a self-insurer under section 321A.34. The department shall designate the restrictions imposed by this section on the face of such person’s license.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.26]
92 Acts, ch 1175, §43; 2020 Acts, ch 1063, §161
Referred to in §321A.13, 321A.33
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.27 - Substitution of proof.

321A.27 Substitution of proof.
The department shall consent to the cancellation of a bond or certificate of insurance or the department shall return a certificate of deposit to the person entitled to the certificate of deposit upon the substitution and acceptance of other adequate proof of financial responsibility pursuant to this chapter.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.27]
92 Acts, ch 1175, §43; 2000 Acts, ch 1025, §4, 6; 2013 Acts, ch 37, §4
Referred to in §321A.13
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.28 - Other proof may be required.

321A.28 Other proof may be required.
Whenever any proof of financial responsibility filed under the provisions of this chapter no longer fulfills the purposes for which required, the department shall for the purpose of this chapter, require other proof as required by this chapter and shall suspend the license and registration or the nonresident’s operating privilege pending the filing of such other proof.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.28]
92 Acts, ch 1175, §43
Referred to in §321A.13
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.29 - Duration of proof — when proof may be canceled or returned.

321A.29 Duration of proof — when proof may be canceled or returned.
1. The department shall upon request consent to the immediate cancellation of a bond or certificate of insurance, or the department shall return to the person entitled thereto a certificate of deposit filed pursuant to this chapter as proof of financial responsibility, or the department shall waive the requirement of filing proof, in any of the following events:
a. At any time after two years from the date such proof was required when, during the two-year period preceding the request, the department has not received record of a conviction or a forfeiture of bail which would require or permit the suspension or revocation of the license, registration, or nonresident’s operating privilege of the person by or for whom such proof was furnished.
b. In the event of the death of the person on whose behalf such proof was filed or the permanent incapacity of such person to operate a motor vehicle.
c. In the event the person who has given proof surrenders the person’s license and registration to the department.
2. The department shall not consent to the cancellation of a bond or return a certificate of deposit in the event an action for damages upon a liability covered by such proof is then pending or a judgment upon any such liability is unsatisfied, or in the event the person who has filed such bond or such certificate of deposit has within one year immediately preceding such request been involved as an operator or owner in any motor vehicle accident resulting in injury or damage to the person or property of others. An affidavit of the applicant as to the nonexistence of such facts, or that the applicant has been released from all of the applicant’s liability, or has been finally adjudicated not to be liable, for such injury or damage, shall be sufficient evidence thereof in the absence of evidence to the contrary in the records of the department.
3. If a person whose proof has been canceled or returned under subsection 1, paragraph “c”, applies for a license or registration within a period of two years from the date proof was originally required, such application shall be refused unless the applicant reestablishes proof for the remainder of the two-year period.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.29]
92 Acts, ch 1175, §43; 2000 Acts, ch 1025, §5, 6; 2013 Acts, ch 37, §5, 6
Referred to in §321.12, 321A.13
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.30 - Rights not affected.

321A.30 Rights not affected.
This chapter shall not prevent the owner of a motor vehicle, the registration of which has been suspended under this chapter, from effecting a bona fide sale of such motor vehicle to another person whose rights or privileges are not suspended under this chapter nor prevent the registration of such motor vehicle by such transferee. This chapter shall not in any way affect the rights of any secured party or lessor of a motor vehicle registered in the name of another as owner who becomes subject to the provisions of this chapter.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.30]
2016 Acts, ch 1011, §53; 2021 Acts, ch 80, §183
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.31 - Surrender of license and registration.

321A.31 Surrender of license and registration.
Any person whose license or registration has been suspended as provided in this chapter, or whose policy of insurance or bond, when required under this chapter, has been canceled or terminated, or who neglects to furnish other proof upon request of the department shall immediately return the person’s license and registration to the department. If any person fails to return to the department the license or registration as provided in this section, the department shall forthwith direct any peace officer to secure possession and to return the license or registration to the department.
[C31, 35, §5079-c4; C39, §5021.01; C46, §321.275; C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.31]
92 Acts, ch 1175, §43; 2020 Acts, ch 1063, §162
Referred to in §321.12, 321A.32
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.32 - Other violations — penalties.

321A.32 Other violations — penalties.
1. Any person whose license or registration or nonresident’s operating privilege has been suspended, denied, or revoked under this chapter or continues to remain suspended or revoked under this chapter, and who, during such suspension, denial, or revocation, or during such continuing suspension or continuing revocation, drives any motor vehicle upon any highway or knowingly permits any motor vehicle owned by such person to be operated by another upon any highway, except as permitted under this chapter, shall be guilty of a simple misdemeanor. In addition to any other penalties, the punishment imposed for a violation of this subsection shall include assessment of a fine of not less than two hundred fifty dollars nor more than one thousand five hundred dollars.
2. Any person willfully failing to return license or registration as required in section 321A.31 shall be guilty of a simple misdemeanor.
3. A person who forges or, without authority, signs a notice provided for under section 321A.5 that a policy or bond is in effect, or any evidence of financial responsibility, or any evidence of financial liability coverage as defined in section 321.1, or who files or offers for filing any such notice or evidence knowing or having reason to believe that it is forged or signed without authority, is guilty of a serious misdemeanor.
4. Any person who shall violate any provision of this chapter for which no penalty is otherwise provided shall be guilty of a serious misdemeanor.
[C31, 35, §5079-c7; C39, §5021.05; C46, §321.279; C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.32]
84 Acts, ch 1142, §2; 97 Acts, ch 139, §10, 17, 18; 98 Acts, ch 1121, §8; 99 Acts, ch 153, §5
Referred to in §321.241, 321J.4B, 321N.3, 901C.3
2023 Iowa Code › Title VIII - TRANSPORTATION › Chapter 321A - MOTOR VEHICLE FINANCIAL RESPONSIBILITY › Section 321A.33 - Exceptions.

321A.33 Exceptions.
This chapter does not apply to any motor vehicle owned by the United States, this state, or any political subdivision of this state or to any operator, except for section 321A.4, while on official duty operating such motor vehicle. This chapter does not apply, except for sections 321A.4 and 321A.26, to any motor vehicle which is subject to section 325A.6.
[C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §321A.33; 82 Acts, ch 1150, §1]
98 Acts, ch 1100, §49; 2008 Acts, ch 1031, §112