CA AB1095

Requires personal vehicle sharing programs to provide liability insurance coverage meeting minimum amounts for motor vehicle owners ($30,000 for one person, $60,000 for multiple persons, $15,000 for property damage, effective January 1, 2025).

Mandates personal vehicle sharing programs offer vehicle owners and operators the ability to purchase additional insurance coverage beyond minimum requirements, including comprehensive and collision coverage.

Requires written disclosures to vehicle owners and operators explaining insurance terms, coverage gaps, minimum mandatory limits, and options to purchase additional protections.

Establishes civil penalties of up to $5,000 per violation (or $10,000 if willful) for non-compliance with insurance and disclosure requirements, enforced by the Insurance Commissioner through administrative proceedings.

Clarifies that vehicle owners participating in compliant personal vehicle sharing programs cannot have their personal auto insurance policies canceled, voided, or non-renewed solely based on vehicle sharing participation.