RI S2146

Establishes a regulatory framework for peer-to-peer car sharing platforms (like Turo) in Rhode Island, defining key terms including car sharing periods, shared vehicles, and program agreements

Requires car sharing programs to assume liability for bodily injury, property damage, and uninsured/underinsured motorist losses during sharing periods, with minimum coverage meeting state requirements under § 31-32-2

Authorizes personal auto insurers to exclude all coverage for vehicles used in peer-to-peer car sharing, including liability, uninsured motorist, medical payments, and physical damage coverage

Exempts peer-to-peer car sharing programs and vehicle owners from the 8% rental vehicle surcharge and from vicarious liability under 49 U.S.C. § 30106

Mandates consumer disclosures about insurance coverage limitations, requires driver license verification, prohibits sharing vehicles with unrepaired safety recalls, and requires programs to retain usage records for at least 4 years

Takes effect January 1, 2027