Bill > HB1186

This bill modifies insurance and liability rules for peer-to-peer car sharing programs, which are platforms connecting vehicle owners with drivers for a fee. It repeals a provision that allowed a peer-to-peer car sharing program's insurance to be secondary coverage for a driver using a replacement vehicle, meaning it would only apply after the driver's own insurance was exhausted. Instead, the bill establishes new requirements for motor vehicle liability insurance for these programs, ensuring coverage is in place during the "car sharing period" (from when the vehicle is delivered to the driver until it's returned). It clarifies that the Maryland Automobile Insurance Fund is not obligated to cover drivers using shared vehicles that are not replacement vehicles. The bill also specifies that peer-to-peer car sharing programs must maintain insurance that recognizes the vehicle is used through such a program or explicitly covers shared vehicle drivers, and this coverage must be primary for the driver unless their own insurance has lapsed.

Justice

https://mgaleg.maryland.gov/mgawebsite/Legislation/Details/HB1186?ys=2026RS