SB3609 - Car-Sharing Program Act

• Creates the Car-Sharing Program Act governing the intersection of car-sharing services and motor vehicle insurance in Illinois, effective January 1, 2022.

• Requires car-sharing programs to assume liability for shared-vehicle owners covering bodily injury, property damage, and uninsured/underinsured motorist losses during car-sharing periods in amounts no less than Illinois Vehicle Code Section 7-601 minimums.

• Mandates car-sharing programs maintain motor vehicle liability insurance covering shared vehicles and drivers at statutory minimum limits, with insurance remaining primary during car-sharing periods; allows coverage to be provided by owner, driver, program, or combination thereof.

• Establishes recordkeeping requirements for car-sharing programs to track vehicle use, fees, and revenues; requires disclosure to drivers about insurance coverage, daily rates, lien implications, and safety recalls; and requires verification that drivers hold valid licenses.

• Exempts car-sharing programs and vehicle owners from vicarious liability under federal law and state law based on vehicle ownership, and permits programs to seek indemnification from owners or drivers for breach of car-sharing agreement terms.