NJ S2326

Establishes a regulatory framework for peer-to-peer car sharing programs (platforms connecting vehicle owners with drivers for paid vehicle sharing) in New Jersey, distinct from traditional rental car companies.

Requires peer-to-peer car sharing programs to assume liability for bodily injury, property damage, and uninsured/underinsured motorist losses during sharing periods, with minimum coverage amounts matching state requirements for private passenger vehicles.

Allows motor vehicle insurers to exclude coverage for shared vehicles under owners' personal policies, including liability, personal injury protection, uninsured motorist, and physical damage coverage during car sharing periods.

Mandates peer-to-peer programs verify shared vehicles have no unrepaired safety recalls, collect and retain usage records (times, locations, fees) for the duration of the personal injury statute of limitations, and disclose rates, fees, and insurance coverage terms to users.

Requires shared vehicle drivers to hold valid driver's licenses authorizing operation of the vehicle class and takes effect on the first day of the tenth month following enactment.