HB 625 Louisiana House · 2026 Regular Session

INSURANCE: Requires peer-to-peer car sharing programs to maintain physical damage coverage for shared vehicles during the car sharing period

HB 625 requires peer-to-peer car-sharing programs in Louisiana to maintain physical damage coverage (for collision and comprehensive damage) for shared vehicles during the car-sharing period. This applies only if the vehicle owner’s insurance policy excludes such coverage. The required coverage must have a deductible of no more than $1,000 per incident and is intended to protect vehicle owners and drivers during rentals. The bill directly affects car-sharing platforms and vehicle owners by ensuring damage coverage is available when standard owner insurance does not provide it.

Bill status in committee 1 of 4 stages cleared

Introduction

Feb 2026

Committee Review

Floor Vote

Governor

Introduced Feb 27, 2026 Last action May 18, 2026

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What changed between versions

HB625 Original → HB625 Engrossed · 5 edits

MODERATE

This bill shifts peer-to-peer car sharing regulations from optional to mandatory in specific scenarios. Previously, programs could choose whether to maintain physical damage insurance; now, if a program does not offer a contractual protection package to users, it must own and maintain a state-approved insurance policy covering collision and comprehensive losses for the shared vehicle. The bill also clarifies that this requirement only applies when the vehicle owner's existing policy does not already cover these damages.

Scope change

The bill expands the scope of mandatory insurance requirements by adding a condition: coverage is now required only when a contractual protection package is absent and the vehicle owner lacks adequate physical damage coverage.

REQUIREMENT

Mandates that peer-to-peer car sharing programs must own and maintain a physical damage insurance policy when they do not provide a contractual protection package to users.

Specifies that the mandatory insurance policy must be written by an insurer admitted or approved in the state.

Authorizes the mandatory insurance policy to include a deductible of up to $1,000 per occurrence and subrogation rights against a tortfeasor.

Eliminates the previous language that allowed programs to optionally maintain liability insurance policies covering various liabilities without a strict mandate.

Restructures the statute to create a new subsection (D) that explicitly defines the conditions under which the insurance mandate applies.

Floor votes

How they voted

No floor votes recorded yet.

Full legislative history

Actions timeline

Total actions

Key actions

Committee

May 6, 2026

Lower · Passed

Reported with amendments (10-0).

lower

Mar 9, 2026

Committee

Read by title, under the rules, referred to the Committee on Insurance.

lower

Feb 27, 2026

Committee

Under the rules, provisionally referred to the Committee on Insurance.

lower

1 primary · 0 co-sponsors