RI H7267

Peer-to-peer car sharing programs must assume liability for bodily injury, property damage, and uninsured/underinsured motorist losses during the car sharing period, with coverage amounts meeting at least Rhode Island's minimum requirements under § 31-32-2.

Insurance coverage may be satisfied by the shared vehicle owner, shared vehicle driver, the car sharing program, or a combination thereof, and this coverage is primary during the car sharing period.

Authorized insurers may exclude coverage for shared vehicles from standard motor vehicle liability policies, including liability, uninsured motorist, medical payments, and physical damage coverages.

Car sharing programs must verify driver's licenses, check for unrepaired safety recalls before listing vehicles, retain transaction records for at least 4 years, and provide required disclosures to owners and drivers about insurance limitations and fees.

Peer-to-peer car sharing receipts are exempt from the 8% rental vehicle surcharge, and programs and shared vehicle owners are exempt from vicarious liability consistent with federal law (49 U.S.C. § 30106); effective January 1, 2027.