IA SSB3091

Establishes the "Peer-to-Peer Car Sharing Program Act" as a new chapter (516C) in Iowa code to regulate business platforms that connect private vehicle owners with drivers for paid vehicle sharing arrangements.

Requires peer-to-peer car sharing programs to assume liability for shared vehicle owners for all bodily injuries and property damage to third parties during the car sharing period, with coverage at least meeting Iowa's minimum liability amounts under section 321A.21.

Defines key terms including "car sharing period" (from delivery or start time through termination), "shared vehicle" (registered motor vehicles carrying no more than 9 passengers, excluding motorcycles), and "shared vehicle driver" and "owner."

Excludes traditional rental car companies and rental agreements from the peer-to-peer car sharing program definition, distinguishing this regulatory framework from existing rental car regulations under section 516D.

Removes the program's liability assumption if the shared vehicle owner makes intentional or fraudulent material misrepresentations to the program or acts in concert with the driver to prevent vehicle return.