# Maryland SB 0395: Peer-to-Peer Car Sharing Programs - Insurance and Liability Maryland SB 0395, Peer-to-Peer Car Sharing Programs - Insurance and Liability, is a 2026 Regular Session Senate bill sponsored by Dawn Gile (Democratic); status signed, last action 2026-04-14 (Approved by the Governor - Chapter 49); PRIA reads it as touching household money (as of 2026-10-11). - Canonical: https://policyrisk.com/state-bill/MD-SB0395-2026RS - As of: 2026-10-11 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Maryland SB 0395 - State: Maryland - Session: 2026 Regular Session - Title: Peer-to-Peer Car Sharing Programs - Insurance and Liability - Status: signed - Chamber: Senate - Introduced: 2026-01-28 - Last action: 2026-04-14, Approved by the Governor - Chapter 49 - Sponsor: Dawn Gile (Democratic) - Cosponsors: 0 - 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 (162 yes, 0 no in all) - Economic provisions PRIA read: 4 ## Summary No summary available. ## Bill overview: provisions PRIA read - Insurance and disclosures for each sharing trip: benefit, medium. Beginning October 1, 2026, every car-sharing trip includes liability insurance at least at state minimums, and the policy must cover peer‑to‑peer use. Insurance can come from the owner, the driver, the program, or a mix, and driver claims pay from the first dollar. The program takes on the owner’s… - No automatic owner liability for sharing: benefit, medium. The law follows federal rules and shields owners and platforms from vicarious liability based only on vehicle ownership. You are not automatically liable just because you own a car that is listed on a peer‑to‑peer platform. - Who pays first in car-sharing crashes: mixed, medium. Beginning October 1, 2026, the program must pay first for third‑party claims if it fails to give notice, fails to cooperate, harms handling before an insurer takes over, sells applicable supplemental coverage, or misses required disclosures. The old rule that a program’s policy always paid first is… - Tolls, fines, and fee transparency: mixed, low. Beginning October 1, 2026, programs can charge the driver for tolls, fees, and fines that happen while the driver controls the car. Ads shown in Maryland must clearly show any pass‑through government fees. For red‑light camera rules, programs are not treated as the vehicle owner; owners or drivers… ## Sponsors and cosponsors - Sponsor: Dawn Gile (Democratic), Senate ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-04-03 | House | Third Reading Passed | pass | 120 | 0 | 9 | | 2026-03-05 | Senate | Third Reading Passed | pass | 42 | 0 | 1 | ## Actions (12) - 2026-04-14: Approved by the Governor - Chapter 49 - 2026-04-06: Returned Passed (Senate) - 2026-04-03: Third Reading Passed (120-0) (House) - 2026-04-02: Favorable Adopted Second Reading Passed (House) - 2026-04-02: Favorable Report by Judiciary (House) - 2026-03-06: Referred Judiciary (House) - 2026-03-05: Third Reading Passed (42-0) (Senate) - 2026-03-03: Second Reading Passed with Amendments (Senate) - 2026-03-03: Favorable with Amendments {263322/1 Adopted (Senate) - 2026-03-02: Favorable with Amendments Report by Finance (Senate) - 2026-01-29: Hearing 2/11 at 2:00 p.m. (Senate) - 2026-01-28: First Reading Finance (Senate) ## Bill text - Enacted, 2026-04-14: [PDF](https://mgaleg.maryland.gov/2026RS/Chapters_noln/CH_49_sb0395t.pdf) - Third Reading, 2026-03-03: [PDF](https://mgaleg.maryland.gov/2026RS/bills/sb/sb0395t.pdf) - First Reading, 2026-01-28: [PDF](https://mgaleg.maryland.gov/2026RS/bills/sb/sb0395f.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_49_sb0395t.pdf) - [Third Reading (PDF)](https://mgaleg.maryland.gov/2026RS/bills/sb/sb0395t.pdf) - [First Reading (PDF)](https://mgaleg.maryland.gov/2026RS/bills/sb/sb0395f.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-SB0395-2026RS (as of 2026-10-11).