MA H3659

Creates new Chapter 90K in Massachusetts General Laws to regulate peer-to-peer car sharing platforms (businesses that connect vehicle owners with drivers for paid vehicle sharing)

Requires peer-to-peer car sharing programs to assume liability for bodily injury, property damage, uninsured motorist coverage, and personal injury protection during car sharing periods, with coverage meeting minimum state insurance requirements under Chapter 90

Allows automobile insurers to exclude coverage for shared vehicles during car sharing periods, including liability, personal injury protection, uninsured/underinsured motorist, medical payments, and physical damage coverage

Mandates that car sharing programs verify drivers hold valid licenses, check vehicles for unrepaired safety recalls before listing, collect and retain usage records for claims investigations, and provide required disclosures to owners and drivers about insurance coverage and indemnification rights

Effective date of July 31, 2026, with the Insurance Commissioner granted authority to promulgate implementing rules