Bill > HB1141

This bill establishes the Peer-to-Peer Car-Sharing Program Insurance Act, which creates a comprehensive regulatory framework for platforms that enable car owners to rent their vehicles to other drivers. The legislation defines key terms like car-sharing periods, program agreements, and the roles of vehicle owners and drivers, and mandates that peer-to-peer car-sharing programs assume liability for bodily injury, property damage, and uninsured motorist losses during the car-sharing period. The bill requires these programs to maintain insurance coverage equivalent to minimum state requirements, with primary liability during the sharing period, and specifies that the insurance can be provided by the vehicle owner, driver, or the car-sharing platform. The legislation also includes provisions about verifying driver licensing, collecting and retaining usage records, addressing safety recalls, and protecting vehicle owners from vicarious liability. Additionally, the bill requires transparent disclosure in car-sharing agreements about insurance coverage, potential costs, and other important terms. These regulations aim to provide clarity, safety, and consumer protection in the emerging peer-to-peer car-sharing market, with the new law set to take effect on January 1, 2026.

Business and Industry

https://house.mo.gov/Bill.aspx?bill=HB1141&year=2025&code=R