A bill for an act relating to peer-to-peer car sharing programs.

HF 2497 establishes rules for peer-to-peer car sharing programs in Iowa, where individuals rent their personal vehicles through a platform (not traditional rental companies) to other drivers. The bill requires programs to ensure minimum liability insurance coverage during sharing periods, covering third-party injury or property damage claims up to state-mandated limits. It mandates that insurance must apply to vehicle use through the program, and programs must assume primary liability for claims if disputes arise about vehicle control or return. This directly affects the platforms operating these services, vehicle owners participating in the programs, and drivers using shared vehicles.