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Bill

AB 2361

Insurance: personal vehicle sharing.

2025-2026 Regular Session Introduced by David Alvarez and 6 co-sponsors

AB 2361 requires California insurers to clarify coverage for personal vehicle sharing arrangements, establishing protection standards for owners and borrowers in peer-to-peer vehicle use scenarios.

Re-referred to Com. on APPR.
#insurance #personalvehiclesharing
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Bill Summary · AB 2361

Legislative bill overview

AB 2361 addresses insurance coverage for personal vehicle sharing arrangements in California. The bill establishes regulatory requirements for how insurance policies must handle situations where vehicle owners allow others to use their personal cars, particularly in informal sharing contexts or peer-to-peer vehicle rental platforms.

Why is this important

As vehicle sharing and gig economy practices become more common, gaps exist between traditional personal auto insurance policies and the actual use of vehicles. This bill clarifies insurer obligations and consumer protections when personal vehicles are shared, which affects both vehicle owners' liability exposure and the accessibility of affordable insurance products for sharing participants.

Potential points of contention

  • Insurance rate implications: Whether requiring coverage for shared-use scenarios will increase premiums for all personal auto insurance customers, including those who never share vehicles
  • Definition and scope: How "personal vehicle sharing" is precisely defined and whether certain platforms (commercial vs. informal) are covered, creating potential loopholes or unintended regulatory gaps
  • Industry compliance burden: The administrative and actuarial costs insurers must absorb to implement new coverage requirements, and whether these are passed to consumers or absorbed by insurers

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

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