Establishes provisions relating to peer-to-peer car-sharing programs

HB 1032 requires peer-to-peer car-sharing platforms (like Turo or Getaround) to provide insurance coverage during vehicle sharing periods. It mandates that these platforms assume liability for third-party bodily injury, property damage, and uninsured motorist losses up to $25,000 per person/$50,000 per accident during the car-sharing period. The bill ensures platform insurance is primary (not secondary to owner/driver coverage) and must meet state minimums, including personal injury protection. This directly affects car-sharing platforms, vehicle owners, and drivers by standardizing insurance requirements for non-traditional car-sharing services.