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

HB 1186 modifies insurance and liability rules for peer-to-peer car sharing programs (like Turo or Getaround) in Maryland. It changes coverage so that a program’s insurance is secondary for replacement vehicles (meaning a driver’s personal insurance covers first), removes restrictions preventing insurers from adjusting a shared vehicle owner’s personal policy solely due to vehicle sharing, and allows programs to charge drivers for tolls or fees they incur. The bill also clarifies that car sharing platforms are not considered "vehicle owners" for traffic violations captured by cameras. These changes directly affect car sharing platforms, drivers using these services, and vehicle owners who list their cars on such programs.