All Roll Calls
Yes: 177 • No: 0
MarylandHB 11862026 Regular SessionHouseWALLET
Peer-to-Peer Car Sharing Programs - Insurance and Liability
Sponsored By: Mike Rogers (Democratic)
Signed by Governor
Insurance - Other than HealthVehicle Laws - Rules of the RoadClaimsCommerce and Business -see also- ElectrComm; ForeignTr; etc.Fees -see also- Attys' Fees; Devt Fees & TaxesFines -see also- Penalties and SentencesLiabilityMaryland Automobile Insurance FundMotor Vehicle InsuranceMotor Vehicle OperationPenalties and Sentences -see also- Death PenaltyRidesharing and CarsharingTraffic MonitoringTransportation -see also- Aircraft; Airports; Boats; etc
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Bill Overview
Analyzed Economic Effects
6 provisions identified: 2 benefits, 1 costs, 3 mixed.
Stronger insurance for shared-car trips
Beginning October 1, 2026, the program’s insurance is the main coverage during each car sharing period. The program assumes the owner’s liability and must meet at least Maryland’s minimum limits, with first-dollar pay for drivers. If the driver’s own policy has lapsed, the program pays first. The program’s coverage does not wait for a personal insurer to deny a claim and must match higher minimums in another state. If the program harms claim handling or skips required notices or disclosures, it owes primary coverage. The program must share claim information with people involved and insurers.
Personal policies can exclude sharing
Beginning October 1, 2026, your personal auto insurer and the state insurance fund may exclude all coverage during a sharing period. Policies can keep or add exclusions for rental, sharing, or business use. Exclusions may apply to liability, uninsured/underinsured motorist, medical payments, PIP, comprehensive, and collision. If a personal insurer pays an excluded claim, it can seek money from the program’s insurer.
Legal shields for owners and platforms
Beginning October 1, 2026, owners and platforms are not liable just because they own a shared car. A car‑sharing platform is not treated as the vehicle’s owner for traffic‑camera tickets. Sharing a car through a platform does not make you a rental company.
Clear fees and insurance disclosures
Beginning October 1, 2026, car‑sharing agreements must list daily rates, fees, insurance costs, and any protection package charges. They must state the program’s right to seek reimbursement and that your personal policy does not defend those claims. The program must warn owners with vehicle liens that sharing may break loan or lease terms. Programs can charge drivers for tolls, fines, and government fees from the trip. Ads in Maryland must clearly show any such fees.
Rules for replacement cars and coverage
Beginning October 1, 2026, when you get a replacement car while yours is being repaired, the policy on the car being serviced is primary. The program’s policy on the replacement car is secondary and still meets minimum rules. The agreement must show this in at least 10‑point bold type. The state insurance fund does not have to cover drivers using shared cars unless the car is a replacement.
Key definitions for car sharing
Beginning October 1, 2026, the law defines key terms for car sharing. It clarifies who is a shared vehicle owner and driver, and what a shared vehicle is. It also sets the car sharing period, start and end times, and what counts as intentional or fraudulent misrepresentation. These terms control when insurance and liability rules apply.
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Sponsors & Cosponsors
Sponsor
Mike Rogers
Democratic • House
Cosponsors
Gabriel M. Moreno
Democratic • House
N. Scott Phillips
Democratic • House
Nicole A. Williams
Democratic • House
Roll Call Votes
Senate vote • 4/6/2026
Third Reading Passed
Yes: 45 • No: 0 • Other: 1
House vote • 3/18/2026
Third Reading Passed
Yes: 132 • No: 0 • Other: 5
Actions Timeline
Approved by the Governor - Chapter 50
4/14/2026Returned Passed
4/7/2026HouseThird Reading Passed (45-0)
4/6/2026SenateFavorable Adopted Second Reading Passed
3/31/2026SenateFavorable Report by Finance
3/30/2026SenateReferred Finance
3/19/2026SenateThird Reading Passed (132-0)
3/18/2026HouseSecond Reading Passed with Amendments
3/18/2026HouseFavorable with Amendments {443328/1 Adopted
3/18/2026HouseFavorable with Amendments Report by Judiciary
3/18/2026HouseHearing 3/05 at 1:00 p.m.
2/16/2026HouseFirst Reading Judiciary
2/11/2026House
Bill Text
Enacted
4/14/2026
Third Reading
3/18/2026
First Reading
2/11/2026
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