FL H0723

Creates Section 627.7483, Florida Statutes, establishing a regulatory framework for peer-to-peer car-sharing programs (platforms like Turo that connect private vehicle owners with drivers for a fee)

Requires peer-to-peer car-sharing programs to ensure insurance coverage during car-sharing periods, including property damage liability, bodily injury liability, personal injury protection, and uninsured/underinsured motorist coverage at state-mandated minimum levels

Allows motor vehicle insurers to exclude coverage for shared vehicles under owner policies, while requiring the car-sharing program's insurance to be primary and cover claims from the first dollar if owner/driver insurance lapses or excludes coverage

Mandates consumer protections including driver license verification, disclosure of insurance coverage limitations, emergency contact numbers, daily rates and fees, and notification about lien implications for financed vehicles

Requires programs to verify shared vehicles have no unrepaired safety recalls and maintain records of vehicle usage, fees, and driver information for at least the duration of the personal injury statute of limitations; effective date March 1, 2021