MN HF2752

Establishes the "Peer-to-Peer Car Sharing Program Act" creating a legal framework for platforms that connect private vehicle owners with drivers who pay to use their vehicles, effective January 1, 2026

Requires peer-to-peer car sharing programs to assume liability for bodily injury, property damage, and personal injury protection during car sharing periods, with minimum coverage matching Minnesota's standard auto insurance requirements under section 65B.49

Exempts peer-to-peer car sharing transactions from being classified as vehicle rentals or leases, removing them from the state's rental vehicle tax and fee under section 297A.64

Allows authorized insurers to exclude coverage for vehicles used in peer-to-peer car sharing from a vehicle owner's personal auto policy, while requiring programs to maintain backup coverage starting from the first dollar of a claim if owner/driver insurance lapses

Mandates consumer protections including driver's license verification, safety recall checks before vehicles can be shared, disclosure of insurance coverage terms, and record retention of vehicle usage data for claims investigations