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

This bill establishes Iowa's first statewide regulations for peer-to-peer car sharing platforms (like apps connecting car owners with drivers). It requires these platforms to assume liability for third-party injuries or property damage during sharing periods and ensures all participants have adequate insurance coverage meeting state minimums. The law specifically excludes traditional rental car companies from its definition of "peer-to-peer car sharing" and defines key terms like "shared vehicle" and "car sharing period." It mandates that platforms, owners, or drivers maintain insurance that covers shared vehicle use, with the platform providing primary coverage if other policies lapse or are insufficient. The bill directly affects car sharing platforms, vehicle owners participating in such programs, and drivers using shared vehicles.