Section 515D.1 – Title.

515D.1 Title. This chapter shall be known as the “Iowa Automobile Insurance Cancellation Control Act”. [C71, 73, 75, 77, 79, 81, §515D.1]

Section 515D.10 – Hearing before commissioner.

515D.10 Hearing before commissioner. Any named insured who has received a statement of reason for cancellation, or of reason for an insurer’s intent not to renew a policy, may, within fifteen calendar days of the receipt or delivery of a statement of reason, request a hearing before the commissioner of insurance. The purpose of this […]

Section 515D.11 – Insured told of alternate coverage.

515D.11 Insured told of alternate coverage. When automobile bodily injury and property damage liability coverage is canceled or not renewed, other than for nonpayment of premium, the insurer shall notify the named insured of the insured’s possible eligibility for automobile liability insurance through the Iowa automobile insurance plan. Such notice shall accompany the notice of […]

Section 515D.12 – Immunity of liability.

515D.12 Immunity of liability. There shall be no liability on the part of, and no cause of action of any nature shall arise against the commissioner of insurance or any employee of the division or against any insurer, its authorized representatives, its agents, its employees, or against any firm, person, or corporation furnishing to the […]

Section 515D.2 – Definitions.

515D.2 Definitions. As used in this chapter, unless otherwise required by the context: 1. “Policy” means an automobile insurance policy providing bodily injury liability, property damage liability, medical payments, uninsured motorist coverage, physical damage coverage, or any combination thereof, delivered or issued for delivery in this state, insuring a single individual or one or more […]

Section 515D.3 – When not applicable.

515D.3 When not applicable. This chapter shall not apply to any policy: 1. Issued under an automobile assigned risk plan. 2. Covering garage, automobile sales agency, repair shop, service station, or public parking place operation hazards. 3. Insuring more than four automobiles. 4. Issued principally to cover personal or premises liability of an insured even […]

Section 515D.4 – Notice of cancellation — reasons.

515D.4 Notice of cancellation — reasons. 1. A policy shall not be canceled except by notice to the insured as provided in this chapter. Notice of cancellation of a policy is not effective unless it is based on one or more of the following reasons: a. Nonpayment of premium. b. Nonpayment of dues to an […]

Section 515D.5 – Delivery of notice.

515D.5 Delivery of notice. 1. a. Notwithstanding the provisions of section 515.129A, a notice of cancellation of a policy shall not be effective unless mailed or delivered by the insurer to the named insured at least thirty calendar days prior to the effective date of cancellation, or, where the cancellation is for nonpayment of premium […]

Section 515D.6 – Prohibited reasons for nonrenewal.

515D.6 Prohibited reasons for nonrenewal. 1. An insurer shall not refuse to renew a policy solely because of age, residence, sex, race, color, creed, or occupation. 2. An insurer shall not require a physical examination of a policyholder as a condition for renewal solely on the basis of age or other arbitrary reason. In the […]

Section 515D.7 – Notice of intent.

515D.7 Notice of intent. 1. Notwithstanding the provisions of sections 515.125, 515.128, 515.129B, and 515.129C, an insurer shall not fail to renew a policy except by notice to the insured as provided in this chapter. A notice of intention not to renew shall not be effective unless mailed or delivered by the insurer to the […]

Section 515D.8 – Duplicate coverage.

515D.8 Duplicate coverage. If an insured obtains a second policy which provides equal or more extensive coverage for any vehicle designated in both policies, the first policy’s coverage of such vehicle may be terminated by failure to renew as of the effective time and date of the second policy, whether or not the first policy […]

Section 515D.9 – Renewal not a waiver or estoppel.

515D.9 Renewal not a waiver or estoppel. Renewal of a policy shall not constitute a waiver or estoppel with respect to grounds for cancellation which existed before the effective date of renewal. [C71, 73, 75, 77, 79, 81, §515D.9]