IA SF2290

Creates the "Peer-to-Peer Car Sharing Program Act" as a new chapter (516C) in Iowa Code to regulate platforms connecting vehicle owners with drivers for temporary vehicle sharing arrangements.

Requires peer-to-peer car sharing programs to assume liability for vehicle owners for all bodily injuries and property damage to third parties during car sharing periods, with minimum coverage amounts matching Iowa's financial responsibility requirements under section 321A.21.

Defines key terms including "car sharing period" (from delivery or start time through termination), "shared vehicle" (excludes traditional rental vehicles), and "program agreement" (contracts between owners and drivers).

Excludes traditional rental car companies from the definition of peer-to-peer car sharing programs, distinguishing these platforms from conventional vehicle rental businesses.

Removes program liability protection from vehicle owners who make intentional or fraudulent misrepresentations to the program or act in concert with drivers to violate agreement terms.