SB 647 - This act enacts the "Peer-to-Peer Car Sharing Program Act". The act requires peer-to-peer car sharing programs, as defined in the act, to assume liability or provide insurance coverage for property damage and bodily injury in an amount at least equal to the coverage required under the Motor Vehicle Financial Responsibility Law, as detailed in the act, and specifies certain requirements for insurance coverage and the resolution of coverage disputes. (Section 379.1915). At the time a vehicle owner registers on a peer-to-peer car sharing program, but before the owner makes a vehicle available for car sharing, the program shall provide notice that participation in the program may violate the terms of a contract with the holders of any liens on the vehicle. (Section 379.1920). Motor vehicle insurers in this state may exclude any and all coverage under a shared motor vehicle owner's policy of motor vehicle liability insurance. (Section 379.1925). Under the act, peer-to-peer car sharing programs shall collect and verify certain records pertaining to the use of a vehicle, and provide them upon request to the vehicle owner, vehicle owner's insurer, or the driver's insurer to facilitate the processing of insurance claims, and shall retain the records for a time period not less than the applicable personal injury statute of limitations. (Section 379.1930). The act provides that peer-to-peer car sharing programs and shared vehicle owners shall be exempt from vicarious liability based solely on vehicle ownership (Section 379.1935), and specifies that motor vehicle insurers shall have the right to seek recovery against the peer-to-peer car sharing program's insurer for defending certain claims (Section 379.1940). Peer-to-peer car sharing programs shall have an insurable interest in shared vehicles as specified in the act, but are not required to maintain the insurance coverage mandated in the act. (Section 379.1945). The act outlines certain content peer-to-peer car sharing program agreements are required to include (Section 379.1950), and requires the peer-to-peer car sharing program to verify and keep records of certain information about drivers (Section 379.1955). Peer-to-peer car sharing programs shall have sole responsibility for any equipment put in or on a vehicle to facilitate a car sharing transaction, and shall hold harmless the vehicle owner for any damage or theft occurring to the equipment during the car sharing period, but may seek compensation from the shared vehicle drivers for the damages or loss. (Section 379.1960). Lastly, the act specifies parties' responsibilities regarding safety recalls. (Section 379.1965). This act has a delayed effective date of January 1, 2026. (Section B). This act is similar to provisions in the truly agreed to and finally passed SS/HCS/HBs 974, 57, 1032 & 1411 (2025), provisions in SCS/SB 181 (2025), provisions in SB 904 (2024), provisions in HB 1542 (2024), and provisions in HB 1243 (2023). ERIC VANDER WEERD