# Maryland HB 1186: Peer-to-Peer Car Sharing Programs - Insurance and Liability Maryland HB 1186, Peer-to-Peer Car Sharing Programs - Insurance and Liability, is a 2026 Regular Session House bill sponsored by Mike Rogers (Democratic); status signed, last action 2026-04-14 (Approved by the Governor - Chapter 50); PRIA reads it as touching household money (as of 2026-10-11). - Canonical: https://policyrisk.com/state-bill/MD-HB1186-2026RS - As of: 2026-10-11 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Maryland HB 1186 - State: Maryland - Session: 2026 Regular Session - Title: Peer-to-Peer Car Sharing Programs - Insurance and Liability - Status: signed - Chamber: House - Introduced: 2026-02-11 - Last action: 2026-04-14, Approved by the Governor - Chapter 50 - Sponsor: Mike Rogers (Democratic) - Cosponsors: 3 - Subjects: Insurance - Other than Health, Vehicle Laws - Rules of the Road, Claims, Commerce and Business -see also- ElectrComm; ForeignTr; etc., Fees -see also- Attys' Fees; Devt Fees & Taxes, Fines -see also- Penalties and Sentences, Liability, Maryland Automobile Insurance Fund, Motor Vehicle Insurance, Motor Vehicle Operation, Penalties and Sentences -see also- Death Penalty, Ridesharing and Carsharing, Traffic Monitoring, Transportation -see also- Aircraft; Airports; Boats; etc - Touches household money: yes - Roll calls: 2 (177 yes, 0 no in all) - Economic provisions PRIA read: 6 ## Summary No summary available. ## Bill overview: provisions PRIA read - Less owner and platform liability in sharing: benefit, medium. Beginning October 1, 2026, a car‑sharing program is not treated as the vehicle owner for red‑light or traffic camera civil penalties. The program and the car owner are also not liable just because they own the car, consistent with federal and state law. This limits ownership‑only liability in car s… - Stronger coverage for car sharing owners and drivers: benefit, medium. Beginning October 1, 2026, car‑sharing trips must be insured at least to Maryland’s minimum limits. The program assumes the owner’s liability during the sharing time and pays on a first‑dollar basis for the driver, and usually for the owner. The owner, the driver, the program, or any mix of them ca… - Stronger crash-claim duties for car-sharing programs: benefit, medium. Beginning October 1, 2026, a car‑sharing program must share use and claim info after a crash. If the program fails key duties (like giving notice, cooperating, or required disclosures) or sells extra coverage that applies to the claim, the program’s coverage becomes primary for that third‑party cla… - Programs can offer their own insurance: benefit, medium. Beginning October 1, 2026, a car‑sharing program may be the named insured and sell or bundle coverage for owners, drivers, and vehicle damage. Program policies can use eligible surplus lines insurers that meet Maryland rules and have an A.M. Best rating of A‑ or better. The program must have an ins… - Personal auto and MAIF can exclude sharing: cost, medium. Beginning October 1, 2026, personal auto insurers and MAIF may exclude all coverage and the duty to defend for losses during a car‑sharing period. Existing exclusions for renting, sharing, or business use can continue. MAIF does not have to cover a shared‑car driver unless the car is a replacement… - Programs can pass through tolls and fees: cost, low. Beginning October 1, 2026, programs may charge a separate fee to recover government concession fees, like airport charges. Ads for Maryland rates must clearly show these fees. Programs can also charge you for tolls, fees, or fines that occur while you have the car. ## Sponsors and cosponsors - Sponsor: Mike Rogers (Democratic), House - Cosponsor: Gabriel M. Moreno (Democratic), House - Cosponsor: N. Scott Phillips (Democratic), House - Cosponsor: Nicole A. Williams (Democratic), House ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-04-06 | Senate | Third Reading Passed | pass | 45 | 0 | 1 | | 2026-03-18 | House | Third Reading Passed | pass | 132 | 0 | 4 | ## Actions (12) - 2026-04-14: Approved by the Governor - Chapter 50 - 2026-04-07: Returned Passed (House) - 2026-04-06: Third Reading Passed (45-0) (Senate) - 2026-03-31: Favorable Adopted Second Reading Passed (Senate) - 2026-03-30: Favorable Report by Finance (Senate) - 2026-03-19: Referred Finance (Senate) - 2026-03-18: Third Reading Passed (132-0) (House) - 2026-03-18: Second Reading Passed with Amendments (House) - 2026-03-18: Favorable with Amendments {443328/1 Adopted (House) - 2026-03-18: Favorable with Amendments Report by Judiciary (House) - 2026-02-16: Hearing 3/05 at 1:00 p.m. (House) - 2026-02-11: First Reading Judiciary (House) ## Bill text - Enacted, 2026-04-14: [PDF](https://mgaleg.maryland.gov/2026RS/Chapters_noln/CH_50_hb1186t.pdf) - Third Reading, 2026-03-18: [PDF](https://mgaleg.maryland.gov/2026RS/bills/hb/hb1186t.pdf) - First Reading, 2026-02-11: [PDF](https://mgaleg.maryland.gov/2026RS/bills/hb/hb1186f.pdf) ## Related bills - SB 0496: Maryland Medical Assistance Program - Coverage for the Treatment of Obesity - Authorization (became law) - SB 0366: Motor Vehicles - Intelligent Speed Assistance System Pilot Program - Establishment (became law) - SB 0244: Code Revision - Health - Maryland Medical Assistance Program (became law) - SB 0148: Income Tax - Credit for 9-1-1 Specialist Retirement Income (Supporting Our 9-1-1 Specialists Act) (became law) - SB 0016: Child Support - Earnings Withholdings Limits (became law) - HB 0529: Code Revision - Health - Maryland Medical Assistance Program (became law) ## Sources - [Enacted (PDF)](https://mgaleg.maryland.gov/2026RS/Chapters_noln/CH_50_hb1186t.pdf) - [Third Reading (PDF)](https://mgaleg.maryland.gov/2026RS/bills/hb/hb1186t.pdf) - [First Reading (PDF)](https://mgaleg.maryland.gov/2026RS/bills/hb/hb1186f.pdf) ## Related - [SB 0496: Maryland Medical Assistance Program - Coverage for the Treatment of Obesity - A…](https://policyrisk.com/state-bill/MD-SB0496-2026RS) - [SB 0366: Motor Vehicles - Intelligent Speed Assistance System Pilot Program - Establishm…](https://policyrisk.com/state-bill/MD-SB0366-2026RS) - [SB 0244: Code Revision - Health - Maryland Medical Assistance Program](https://policyrisk.com/state-bill/MD-SB0244-2026RS) - [SB 0148: Income Tax - Credit for 9-1-1 Specialist Retirement Income (Supporting Our 9-1-…](https://policyrisk.com/state-bill/MD-SB0148-2026RS) - [SB 0016: Child Support - Earnings Withholdings Limits](https://policyrisk.com/state-bill/MD-SB0016-2026RS) - [HB 0529: Code Revision - Health - Maryland Medical Assistance Program](https://policyrisk.com/state-bill/MD-HB0529-2026RS) - [Maryland bills](https://policyrisk.com/states/maryland/bills) - [Maryland state hub](https://policyrisk.com/states/maryland) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/MD-HB1186-2026RS (as of 2026-10-11).