Peer-to-peer car sharing.

Existing law prohibits an insurer from classifying a private passenger motor vehicle as a commercial vehicle, for-hire vehicle, permissive use vehicle, or livery solely because its owner allows it to be shared if specified criteria are met. Existing law requires a personal vehicle sharing program to provide insurance coverage for the vehicle and driver that is equal to or greater than the coverage maintained by the vehicle owner, but no less than 3 times the minimum coverage amounts for private passenger vehicles. This bill would repeal the above insurance coverage requirement and would instead require a peer-to-peer car sharing program to assume the liability for a loss during the sharing period in an amount not less than the minimum coverage amounts for private passenger vehicles. The bill would require a peer-to-peer car sharing program to ensure that a shared vehicle owner and driver are insured under a policy with coverage not less than 3 times the minimum coverage amounts for private passenger vehicles, require that policy to be primary, and authorize that policy to be satisfied by motor vehicle insurance maintained by the owner, driver, or peer-to-peer car sharing program, or any combination of those. The bill would require the peer-to-peer car sharing program to assume primary liability if there is a dispute as to who was in control of the shared vehicle at the time of the loss or the program fails to retain or provide specified records. Existing law authorizes an airport to charge a concession fee, which is paid by a passenger vehicle rental company to the owner or operator of an airport for the right or privilege of conducting a vehicle rental business on the airport's premises. This bill would authorize a commercial airport authority to regulate access to an airport and set access fees for a peer-to-peer car sharing program. The bill would also make conforming changes.