MD HB1186

Repeals provision allowing peer-to-peer car sharing program insurance to be secondary coverage for shared vehicle drivers using replacement vehicles, making the program's coverage primary in most situations

Allows insurers to exclude coverage and deny claims under a shared vehicle owner's personal auto policy for any loss occurring during the car sharing period, and clarifies that existing policy exclusions for rental, sharing, or business use remain valid

Removes prohibition on insurers canceling, nonrenewing, or denying personal auto policies solely because a vehicle is shared through a peer-to-peer program

Permits peer-to-peer car sharing programs to transfer monetary liability to shared vehicle drivers for tolls, fees, and fines incurred during the car sharing period

Excludes peer-to-peer car sharing programs from the definition of "owner" for red light camera violations, shifting citation liability to the registered vehicle owner or driver