GA HB1463

Peer-to-peer car-sharing programs must now assume liability for damage to the vehicle owner's car during the sharing period, in addition to existing requirements for third-party bodily injury, property damage, and uninsured/underinsured motorist coverage

Car-sharing programs must maintain insurance covering physical damage for collision and comprehensive losses to shared vehicles, written by an insurer admitted or authorized in Georgia

The required physical damage insurance applies when the vehicle owner's own policy excludes or doesn't cover losses during the car-sharing period

Insurance policies may include a deductible of no more than $1,000 per occurrence and may include subrogation rights against at-fault parties

Liability exceptions remain for owners who made intentional or fraudulent misrepresentations or who acted in concert with drivers who failed to return vehicles