HI SB2444

Establishes mandatory insurance requirements for peer-to-peer car-sharing programs, requiring minimum coverage of $1,000,000 for death, bodily injury, and property damage per accident with costs of defense outside the limits during each car-sharing period.

Requires peer-to-peer car-sharing programs to provide primary personal injury protection coverage meeting state minimums and offer optional uninsured/underinsured motorist coverage and additional insurance options to shared car drivers.

Mandates that peer-to-peer car-sharing program insurance provides coverage from the first dollar of a claim if a shared car owner's or driver's personal insurance has lapsed, contains peer-to-peer exclusions, or is insufficient.

Requires peer-to-peer car-sharing programs to collect and retain for at least six years detailed records including car-sharing period dates and times, all fees and costs, participant contact information, and insurance policy details.

Requires comprehensive disclosures to shared car owners and drivers prior to agreement execution, including insurance coverage terms, all costs and fees, emergency contact information, indemnification rights, and notification that coverage only applies during the active car-sharing period.