How to fill out the Form 411108 in Iowa
A field-by-field walkthrough of the Iowa Form 411108 (Motor Vehicle Damage Disclosure Statement) for licensed used car dealers — what goes in every section, who signs what, and the documents you attach. Verified against Form 411108 (07-26), Iowa Code § 321.69 and § 321.52, and 761 IAC 400.55 as of October 2026.
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Filling out the IA Form 411108 after a sale:
- What it is
- Iowa's written damage disclosure under Iowa Code § 321.69: salvage, rebuilt, or flood title history, and damage over 70% of value
- Who completes it
- The seller completes Section 1 and signs; the buyer signs, and completes Section 2 in a few specific cases
- Where to file it
- Given to the buyer at or before the sale, then turned in to the county treasurer with the title application
- Processing time
- None of its own. It travels with the Form 411007 title application
- Cost
- No fee
This guide is informational and does not replace the official Iowa instructions. Always confirm the current form and procedure with the Iowa Department of Transportation (filed with your county treasurer) before you file.
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What the Form 411108 is and why it matters
Form 411108 is Iowa's Motor Vehicle Damage Disclosure Statement. Iowa Code § 321.69 says a title won't be issued unless the transferor made a damage disclosure statement, and the seller has to give it to the buyer at or before the sale. The statement answers two things: did you know the car was titled salvage, rebuilt, or flood in any state, and if not, did you know it had damage whose repair cost exceeded 70% of its fair market value before it was damaged.
Most of the time the disclosure goes on the back of the Iowa title, not on this form. The statute calls for the separate Form 411108 when the title isn't available at the sale, or when the Iowa title is clean but you know or should know the car was salvaged or branded in another state. This guide covers when you need it, how to answer each question, and the 5-year records rule for dealers.
The current revision is Form 411108 (07-26). The Iowa DOT publishes it only as an online form on its forms portal (iowadot.forms.govos.com). You can type into it there and print it, but there's no blank fillable PDF to download, so searching for an "Iowa damage disclosure statement PDF" lands you on the portal. Page 1 is the form: a seller section, a buyer section, and signatures. Page 2 is the state's instructions and definitions. It isn't notarized and has no fee.
Documents to have before you start
Gather these before you complete the Form 411108. A missing attachment is the number-one reason the the Iowa Department of Transportation (filed with your county treasurer) bounces a title application back.
- The title, and a history report on the car — Section 1 asks whether the car was ever titled salvage, rebuilt, or flood in Iowa or any other state. An Iowa title won't show another state's brand, so run NMVTIS or a history report before you answer.
- Repair records or estimates, and the pre-damage value — The 70% test compares the retail cost of repair to the car's fair market value before it was damaged. Page 2 of the form points to J.D. Power values for fair market value.
- Any damage disclosure you received when you bought the car — If you got a separate 411108 from the prior owner and didn't title the car in your name, page 2 says you must pass that statement on to your buyer.
- The Form 411007 title application for the deal — The 411108 goes to the county treasurer with it. See the Form 411007 guide.
Form 411108, section by section
Which cars need it: the model-year cutoff and exemptions
Iowa Code § 321.69(9) exempts vehicles more than seven model years old, motor trucks and truck tractors with a GVWR of 16,000 pounds or more, autocycles, motorcycles, motorized bicycles, and special mobile equipment. Motor homes are covered. Iowa's rule 761 IAC 400.55 gives the count: take the current year minus eight, and that model year is the first one that's exempt. In 2026 that makes model year 2018 and older exempt, and model year 2019 and newer subject to the disclosure. New vehicles with 1,000 miles or less are exempt too, unless they have damage over 70% of fair market value. On a new car with more than 1,000 miles, the Iowa DOT lists the 411108 with the title paperwork.
| Field | Who fills it |
|---|---|
Model year in 2026: 2019 or newer Current year minus eight is the first exempt model year (761 IAC 400.55). | You (dealer) |
Exempt: trucks 16,000 lb GVWR+, motorcycles, autocycles, special mobile equipment | You (dealer) |
Title back or Form 411108: which one you use
Under § 321.69(7), the disclosure goes on the back of the title when the title is available at the sale. Iowa titles issued on or after July 1, 2021 reference a 70% damage level in that assignment area. Form 411108 Section 1 applies in three cases: the Iowa title isn't available; the face of your Iowa title shows no salvage, rebuilt, or flood history but you know or reasonably should know the car was salvaged or branded in another state; or the car is a new vehicle sold in Iowa with 1,000 miles or less and damage over 70% of fair market value (50% if the sale was before July 1, 2021). The county treasurer won't take a disclosure that isn't fully completed, signed, and dated.
| Field | Who fills it |
|---|---|
Title available, nothing hidden: disclose on the back of the title | You (dealer) |
Title not available, or out-of-state brand not on the Iowa title: Form 411108 Section 1 | You (dealer) |
Seller's name, year, make, and VIN
The top of the form reads "I, ____ (Printed Seller / Transferor Name), hereby certify" that the statement is true for the vehicle listed. On a retail sale, that's your dealership. Then the year, make, and the full 17-character VIN. Copy them from the title so they match the 411007.
| Field | Who fills it |
|---|---|
Printed seller / transferor name | You (dealer) |
Year, make | You (dealer) |
VIN All 17 characters, matching the title and the 411007. | You (dealer) |
Section 1: the seller's three questions
Question 1 asks whether you know the car is now or was ever titled salvage, rebuilt, or flood in Iowa or any other state. If Yes, skip to Question 3. Question 2, answered only if Question 1 is No, asks whether you know that before or during your ownership the car had damage whose repair cost exceeded 70% of its fair market value before it was damaged. That's Iowa's definition of a wrecked or salvage vehicle in § 321.52(4)(e). Page 2 says to use the retail repair estimate if it hasn't been fixed, or the actual retail repair cost if it has, counting labor, parts, materials, and sales tax. The form's example: a $20,000 car with a $15,000 repair is over 70%, so the answer is Yes. Question 3 asks whether the current title shows prior damage. Check Yes or No on every question you're required to answer.
| Field | Who fills it |
|---|---|
Q1: Titled salvage, rebuilt, or flood in any state? Yes / No | You (dealer) |
Q2: Repair cost over 70% of pre-damage fair market value? Yes / No Only if Q1 is No. Include labor, parts, materials, and sales tax. | You (dealer) |
Q3: Current title shows prior damage? Yes / No | You (dealer) |
Section 2: when the buyer answers
Section 2 is the buyer's, and it only applies in four cases listed on the form: the car came from a non-resident of Iowa; it was transferred by operation of law (inheritance, repossession, foreclosure, an abandoned vehicle sale, a possessory lien, and the others listed on page 2); the sale was on or after July 1, 2021 and the seller disclosed on the back of an older Iowa title that references 50% damage; or the buyer is filing Form 411109, the statement that they tried in good faith to reach a seller who never gave a disclosure. The two questions mirror the seller's: titled salvage, rebuilt, or flood, and if not, damage over 70%. On a dealer retail sale where you complete Section 1, the buyer usually leaves Section 2 blank.
| Field | Who fills it |
|---|---|
Q1: Titled salvage, rebuilt, or flood in any state? Yes / No | Buyer |
Q2: Repair cost over 70% of fair market value? Yes / No Only if Q1 is No. | Buyer |
Signatures, the buyer's copy, and where it goes
The seller signs and dates; page 1 notes the seller doesn't need to sign if only Section 2 is completed. The buyer signs and dates. The seller must give the statement to the buyer at or before the sale, and it goes to the county treasurer, or the Iowa DOT when applicable, with the title application. The treasurer also runs a records check before issuing the title and can add a damage designation from those results even if neither side disclosed it.
| Field | Who fills it |
|---|---|
Seller's / transferor's signature and date | You (dealer) |
Buyer's / transferee's signature and date | Buyer |
Records check and any title designation Per the form, under Iowa rule 761 IAC 405.6. | At the counter |
Dealer records, airbags, and penalties
Iowa Code § 321.69(6) requires licensed dealers to keep copies of every damage disclosure statement where they're the transferor or the transferee for five years, and show them to the DOT or the attorney general on request. That includes the ones you receive on trades and auction buys. Separately, § 321.69(10) bars selling a car you know or should know has a nonoperative or missing airbag unless you disclose it in writing before the sale, and that written airbag disclosure counts as a damage disclosure statement for the records rule. Knowingly making a false damage disclosure, or not making a required one, is a fraudulent practice, and a dealer's failure to comply is also a violation of Iowa's consumer fraud statute, § 714.16(2)(a).
| Field | Who fills it |
|---|---|
Copies of every disclosure given or received, kept 5 years | You (dealer) |
Written airbag disclosure, if an airbag is missing or nonoperative | You (dealer) |
Common Form 411108 mistakes that cause rejections
Iowa's test is repair cost over 70% of pre-damage fair market value (§ 321.52(4)(e)). Older titles and forms say 50%. If you disclose on a pre-July 2021 Iowa title that references 50%, the buyer has to complete Section 2.
Subtract eight from the current year: that model year and older are exempt. In 2026, model year 2019 and newer need the disclosure.
An Iowa title won't show a brand from another state. If you know or reasonably should know the car was salvaged elsewhere, § 321.69(7) requires the separate 411108. Run NMVTIS before you sign.
Page 2 says all repair charges count, including labor, parts, materials, and sales tax.
If you got a separate 411108 from the prior owner and never titled the car in your name, give that statement to your buyer.
Dealers keep every damage disclosure they give or receive for five years (§ 321.69(6)).
Common questions
What is a damage disclosure statement?+
It's the seller's written statement of a car's damage and branded-title history, given to the buyer at the sale. In Iowa it's required by Iowa Code § 321.69: the seller states whether they know the car was titled salvage, rebuilt, or flood in any state, and if not, whether it had damage whose repair cost exceeded 70% of its fair market value before it was damaged. A title won't be issued without it. It's made on the back of the Iowa title, or on Form 411108 when the title isn't available or an out-of-state brand doesn't show on it.
What is Iowa Form 411108?+
Form 411108 is the Iowa DOT's Motor Vehicle Damage Disclosure Statement. The current revision is 411108 (07-26). It has a seller section with three Yes/No questions, a buyer section with two, and signature lines for both. It's published on the Iowa DOT's online forms portal.
Which vehicles need a damage disclosure in Iowa?+
Vehicles seven model years old or newer. Iowa's rule 761 IAC 400.55 says to subtract eight from the current year to find the first exempt model year, so in 2026 model year 2019 and newer need it. Trucks and truck tractors with a GVWR of 16,000 pounds or more, motorcycles, autocycles, motorized bicycles, and special mobile equipment are exempt. Motor homes are not.
What is the damage threshold in Iowa?+
70%. A vehicle must be disclosed if the cost of repair exceeded 70% of its fair market value before it was damaged (Iowa Code § 321.52(4)(e)). The threshold was 50% before July 1, 2021, which is why older Iowa titles still reference 50%.
Do I need Form 411108 if I disclose on the back of the title?+
Usually not. Iowa Code § 321.69(7) puts the disclosure on the back of the title when the title is available. You need the separate 411108 when the title isn't available at the sale, or when the Iowa title doesn't show a salvage, rebuilt, or flood history you know or should know about from another state.
How long do Iowa dealers keep damage disclosure statements?+
Five years from the date of the statement, for every disclosure where the dealer is the seller or the buyer. Copies must be made available to the Iowa DOT or the attorney general on request (Iowa Code § 321.69(6)).
What happens if a dealer gives a false damage disclosure in Iowa?+
Knowingly making a false damage disclosure statement, or failing to make a required one, is a fraudulent practice under Iowa Code § 321.69(11). A dealer's failure to comply with the section is also a violation of Iowa's consumer fraud law, § 714.16(2)(a).
Is there software that fills out the Form 411108 automatically?+
Not this one. The Iowa Form 411108 is published only as an online form on the Iowa DOT's forms portal, with no blank fillable PDF to upload, so it's completed by hand and signed in ink. Dealer management software like DealerVLO handles the paperwork around it from the deal you already entered: a print-ready Iowa 411007 title-application worksheet, the Bill of Sale, the FTC Buyers Guide, and the odometer disclosure, so the Form 411108 is the only page left to write. It's $29/month flat with a 14-day free trial.
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