WeVote
Log In

Bill

Bill

HB 1186

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

2026 Regular Session Introduced by Gabriel Moreno and 3 co-sponsors

Maryland law establishes insurance requirements and liability protections for peer-to-peer car sharing platforms, clarifying coverage gaps between personal and commercial vehicle use.

Approved by the Governor - Chapter 50
0
WeVote Research Nonpartisan
Bill Summary · HB 1186

Legislative bill overview

HB 1186 establishes a regulatory framework for peer-to-peer car sharing programs in Maryland, defining insurance requirements, liability protections, and operational standards for platforms that facilitate short-term vehicle rentals between private owners. The bill addresses the gap between personal auto insurance (which typically doesn't cover commercial use) and commercial insurance by creating a tiered liability structure based on whether the car owner's insurance is active.

Why is this important

As services like Turo and Zipcar continue expanding, Maryland residents participating in peer-to-peer car sharing face potential legal and financial exposure if accidents occur during rentals. This bill clarifies who bears liability and ensures adequate insurance coverage exists, protecting both vehicle owners and renters while establishing clear rules for a growing economic sector.

Potential points of contention

  • Insurance gap coverage: Determining whether the platform operator, vehicle owner, or renter bears primary liability when insurance lapses creates complex financial incentives and potential litigation disputes
  • Impact on personal auto insurance costs: Insurance companies may raise rates for vehicles used in peer-to-peer sharing, effectively punishing participation in the sharing economy
  • Regulatory burden on platforms: Mandating specific insurance verification and liability tracking systems could create compliance costs that favor large companies over small operators or individual owners

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

Sign in to ask a question.