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HF 6

A bill for an act relating to the minimum amounts required for motor vehicle financial responsibility, and making penalties applicable.

2025-2026 Regular Session Introduced by Brian Lohse

Bill HF 6 raises minimum auto insurance coverage to $50K for one person, $100K for multiple, and $25K for property damage, enhancing protection for accident victims.

Subcommittee recommends passage.
#automobileinsurance #insurance #motorvehicles
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Bill Summary · HF 6

Summary of Bill HF 6

Overview

Bill Number: HF 6
Title: A bill for an act relating to the minimum amounts required for motor vehicle financial responsibility, and making penalties applicable.
Status: Subcommittee recommends passage
Introduced: January 14, 2025
Classification: Bill
Subject: Automobile insurance, Insurance, Motor Vehicles

Purpose and Intent

The primary purpose of Bill HF 6 is to increase the minimum financial responsibility requirements for motor vehicle insurance. This legislation aims to ensure that drivers have adequate coverage in the event of accidents, thereby enhancing financial protection for individuals involved in motor vehicle incidents.

Key Provisions

The bill proposes the following changes to the minimum coverage amounts required for motor vehicle financial responsibility:

  • Bodily Injury or Death of One Person: Increase from $20,000 to $50,000
  • Bodily Injury or Death of Two or More Persons: Increase from $40,000 to $100,000
  • Property Damage: Increase from $15,000 to $25,000

These new amounts will align with the existing coverage requirements for transportation network company drivers when they are not engaged in a prearranged ride.

Penalties for Non-Compliance

The bill establishes penalties for violations of financial responsibility requirements:

  • Serious Misdemeanor: For violations of Code chapter 321A without a specified penalty, punishable by:

    • Confinement for up to one year
    • A fine ranging from $430 to $2,560

  • Simple Misdemeanor: For driving without financial liability coverage (Code section 321.20B), punishable by:

    • A $325 scheduled fine
    • If discovered during a motor vehicle accident, the fine increases to $645
    • Possible removal of vehicle registration plates and registration receipt, and vehicle impoundment

Impact

This bill will affect all motor vehicle operators in the jurisdiction, requiring them to adjust their insurance policies to meet the new minimum coverage amounts. It aims to provide better financial protection for victims of motor vehicle accidents and to promote responsible driving practices.

Legislative Timeline

  • January 14, 2025: Bill introduced and referred to the Commerce Committee.
  • January 22, 2025: Subcommittee formed, including members Determann, Bagniewski, and Thomson, C.
  • January 27, 2025: Subcommittee meeting scheduled for January 29, 2025, at 3:30 PM in the House Lounge.
  • January 29, 2025: Subcommittee recommends passage of the bill.

This summary provides a clear understanding of the intent, provisions, and implications of Bill HF 6, highlighting its significance in enhancing motor vehicle financial responsibility standards.

Compiled from official sources — confirm details with the bill’s official record.

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