CA AB1871

Prohibits classifying private passenger motor vehicles as commercial or for-hire vehicles solely because owners allow them to be used for personal vehicle sharing, provided annual revenue does not exceed annual operating expenses and the sharing occurs through a qualified program.

Requires personal vehicle sharing programs to provide insurance coverage equal to or greater than the vehicle owner's coverage (with minimum liability of three times standard requirements) and maintain verifiable electronic records of vehicle usage including date, time, location, and mileage.

Establishes that personal vehicle sharing programs assume all liability for losses or injuries occurring while vehicles are under their control and must defend and indemnify vehicle owners named in lawsuits related to shared vehicle use.

Permits vehicle insurers to exclude coverage while vehicles are used by non-owners in personal vehicle sharing programs and allows insurers to disclaim duty to defend or indemnify related to such use.

Prohibits insurance policies from being canceled, voided, terminated, rescinded, or nonrenewed solely because a vehicle has been made available for personal vehicle sharing through a compliant program.