MD SB395

Peer-to-peer car sharing programs must provide motor vehicle liability insurance coverage at or above Maryland's minimum security requirements (§ 17–103) during each car sharing period for both vehicle owners and drivers

The Maryland Automobile Insurance Fund is exempted from providing coverage to shared vehicle drivers except when using a replacement vehicle (a vehicle used while the driver's own car is being repaired or serviced)

Peer-to-peer car sharing programs become responsible for providing primary coverage on third-party liability claims if they fail to deliver notice, cooperate with insurers, or provide required disclosures

Programs may transfer monetary liability and charge shared vehicle drivers for tolls, fees, charges, or fines incurred during the car sharing period

Peer-to-peer car sharing programs are excluded from the definition of "owner" for purposes of traffic control signal monitoring system violations (red light camera citations), effective October 1, 2026