Peer-to-Peer Car Sharing Programs - Insurance and Liability

SB 395 clarifies insurance requirements for peer-to-peer car sharing programs (like Turo) in Maryland. It makes the program's liability insurance primary coverage for drivers using shared vehicles, rather than secondary, and prevents insurers from canceling a vehicle owner's personal insurance solely because the car is shared. The bill also stops the Maryland Automobile Insurance Fund from covering drivers for non-replacement vehicles used in sharing programs and allows programs to charge drivers for tolls or fines incurred during trips. These changes aim to standardize liability rules and reduce insurance complications for both sharing platforms and users.