HB 1619 Summary

• Establishes mandatory insurance requirements for peer-to-peer car-sharing programs, requiring minimum coverage of $750,000 for death, bodily injury, and property damage per accident with defense costs outside limits during car-sharing periods.

• Requires peer-to-peer car-sharing programs to provide primary insurance coverage for personal injury protection and optional coverages including uninsured/underinsured motorist protection, with written disclosures and acknowledgments to drivers.

• Authorizes shared car owners' personal vehicle insurers to exclude peer-to-peer car-sharing coverage but mandates the peer-to-peer program's insurance provide full coverage if the owner's policy lapses, contains exclusions, or is insufficient.

• Requires peer-to-peer car-sharing programs to maintain records for six years documenting car-sharing periods, fees, insurance details, and participant information, and to provide this information to insurers, owners, drivers, injured parties, and government agencies upon request.

• Mandates comprehensive disclosures to shared car owners and drivers before agreement execution regarding costs, insurance coverage limitations, emergency services, indemnification rights, and conditions for coverage, with specific written acknowledgments required.

• Effective January 1, 2023; sunsets June 30, 2025; requires insurance commissioner report to legislature by 2025 on implementation progress and complaints.