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HB 382

AN ACT TO AMEND TITLES 6 AND 21 OF THE DELAWARE CODE RELATING TO RENTAL CARS AND PEER- TO-PEER CAR SHARING LOSS OF USE.

153rd General Assembly (2025-2026) Introduced by Sean Lynn and 1 co-sponsor

Delaware HB 382 clarifies and standardizes loss of use, insurance coverage, and disclosures for rental and P2P vehicles, ensuring clearer reimbursement and protections for renters

Assigned to Executive Committee in Senate
0
WeVote Research Nonpartisan
Bill Summary · HB 382

Summary of HB 382 (Delaware, 153rd Session)

Aims to modify consumer protections and regulatory framework for rental cars and peer-to-peer (P2P) car sharing, with a focus on loss of use and related insurance implications. The bill proposes changes to Titles 6 and 21 of the Delaware Code.

1) Purpose and Intent

  • To adjust how rental car companies and P2P car sharing platforms handle loss of use, insurance requirements, and related regulatory obligations.
  • The bill seeks to clarify responsibilities during times when a vehicle is unavailable due to a loss of use (e.g., repairs after damage, accidents, or other incidents).
  • Overall objective appears to balance consumer protection with industry operations for rental and P2P vehicle sharing services.

2) Key Provisions and Changes

Note: The exact text of the bill is not provided here, but the following captures the typical scope of amendments to Titles 6 and 21 related to loss of use for rental cars and P2P car sharing. The summary highlights the kinds of provisions such bills usually include.

  • Loss of Use Provisions

    • Establish or modify how loss of use reimbursement is calculated and applied when a rental vehicle or a P2P vehicle is out of service due to a claim, repair, theft, or other covered events.
    • Set timelines or standards for insurers, rental operators, and platforms to reimburse or otherwise address the cost of a vehicle being unavailable to the consumer.

  • Insurance Requirements and Coverage

    • Clarify what types of coverage are required for rental car operators and P2P platforms (e.g., liability, collision, comprehensive).
    • Potentially define minimum coverage limits or specify when coverage applies to both vehicle owners and renters/members.
    • Address how loss of use affects insurance claims, premiums, or reimbursement obligations.

  • Regulatory Framework for Rental Cars

    • Amend regulatory definitions related to “rental car,” “loss of use,” and related terms to reduce ambiguity.
    • Align state requirements with consumer protection standards, ensuring clear disclosures about fees, charges, and loss of use terms.

  • Regulation of Peer-to-Peer Car Sharing

    • Extend or refine existing Delaware regulatory regimes to P2P platforms (e.g., Turo, Getaround-type services) regarding loss of use and insurance.
    • Specify platform responsibilities for providing or facilitating insurance coverage and handling loss-of-use claims when a shared vehicle is unavailable.

  • Consumer Disclosures and Protections

    • Require clearer disclosures about loss of use policies, fees, and timelines to renters and vehicle owners.
    • Enhance transparency around how renters will be compensated or how rental rates may be affected when a vehicle is out of service.

3) Affected Parties

  • Consumers/Renters: Individuals renting vehicles (traditional rental cars and P2P shared vehicles) who may be impacted by loss of use policies, insurance coverage, and reimbursement procedures.
  • Vehicle Owners and Peer-to-Peer Hosts: Individuals who list or provide vehicles for rental or sharing, who may face changes in insurance obligations, platform responsibilities, and potential compensation mechanisms.
  • Rental Car Companies and P2P Platforms: Businesses operating rental fleets or peer-to-peer sharing services, required to comply with updated loss of use and insurance standards.
  • Insurance Carriers: Insurance providers offering coverage for rental and P2P activities, with potential changes to policy requirements and claim handling.

4) Procedural and Timeline Aspects

  • Committee Assignment: The bill was introduced and assigned to the Economic Development/Banking/Insurance & Commerce Committee in the House on April 23, 2026.
  • Next Steps in Process: After committee review, the bill would typically proceed to floor consideration in the House, then to the Senate (if passed), with potential amendments and votes. Timeline depends on committee action, scheduling, and legislative priorities.
  • Effective Date: The bill’s effective date and any phase-in periods would be specified in the enacted text; until then, current law remains in effect.

If you provide the full text of HB 382, I can deliver a more precise, line-by-line summary of all provisions, including specific numbers, definitions, and transition rules.

Compiled from official sources — confirm details with the bill’s official record.

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