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

SSB 3091 establishes rules for peer-to-peer car sharing platforms in Iowa, requiring them to assume liability for injuries or property damage during shared vehicle use. It mandates that platforms ensure both vehicle owners and drivers have proper insurance coverage meeting minimum state requirements during the entire car sharing period. The bill defines key terms like "shared vehicle" (a personal vehicle rented through a platform) and specifies that platforms must cover liability even if an owner's insurance lapses. This directly affects car sharing platforms (like Turo), vehicle owners renting out their cars, and drivers using these services.