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

HB 1141 establishes insurance and liability requirements for peer-to-peer car-sharing programs in Missouri. It requires platforms to assume liability for third-party bodily injury, property damage, uninsured motorist losses, or personal injury protection during the "car-sharing period" (when a vehicle is being used through the platform), with coverage meeting minimum standards under Chapter 303. The law specifies that liability coverage must apply to the shared vehicle owner and driver during the sharing period, and platforms must ensure proper insurance that recognizes the vehicle is used through a peer-to-peer program. Exceptions to liability include intentional misrepresentations by owners or failure by drivers to return vehicles per the agreement. The bill explicitly excludes traditional car rental companies from its scope.