Peer-to-Peer Car Sharing Programs - Insurance and Liability

SB 771 clarifies insurance and liability rules for Maryland's peer-to-peer car sharing programs (like Turo or Getaround). It changes how insurance coverage applies during shared vehicle use, making program insurance secondary for replacement vehicles and clarifying that the Maryland Automobile Insurance Fund does not cover non-replacement vehicle incidents. The bill also allows programs to charge drivers for tolls/fines incurred during sharing, excludes programs from being considered "vehicle owners" for traffic camera violations, and sets minimum insurance requirements when claims occur in states with higher coverage limits. These changes directly affect car sharing platforms, drivers using shared vehicles, and insurance providers operating in Maryland.