EXPLANATION: CAPITALS INDICATE MAT TER ADDED TO EXISTIN G LAW. [Brackets] indicate matter deleted from existing law. *sb0771* SENATE BILL 771 C4, R5 5lr2938 HB 1187/23 – ECM By: Senator Gile Introduced and read first time: January 27, 2025 Assigned to: Finance A BILL ENTITLED AN ACT concerning 1 Peer–to–Peer Car Sharing Programs – Insurance and Liability 2 FOR the purpose of repealing certain provisions of law authorizing a peer–to–peer car 3 sharing program’s motor vehicle liability insurance policy on a replacement vehicle 4 to be secondary coverage for a shared vehicle driver; altering certain motor vehicle 5 liability insurance requirements applicable to peer–to–peer car sharing programs; 6 providing that the Maryland Automobile Insurance Fund is not required to provide 7 coverage to a shared vehicle drive for the use of a shared vehicle that is not a 8 replacement vehicle; requiring certain insurance coverage to be in a certain amount 9 up to certain minimum coverage amounts if a claim arises out of an occurrence 10 during the car sharing period in another state that has higher minimum financial 11 responsibility limits; repealing certain provisions of law prohibiting certain insurers 12 to take certain action with respect to a personal motor vehicle liability insurance 13 policy of a shared vehicle owner solely on the basis that a certain vehicle has been 14 made available for sharing through a peer–to–peer car sharing program except 15 under certain circumstances; providing that certain provisions of law do not 16 invalidate or limit exclusions contained in a motor vehicle liability insurance policy; 17 authorizing a peer–to–peer car sharing program to transfer monetary liability and 18 charge a shared vehicle driver for certain tolls, fees, charges, or fines imposed under 19 certain circumstances; excluding a peer–to–peer car sharing program from the 20 definition of “owner” for purpose of citations issued for violations recorded by a traffic 21 control signal monitoring system; and generally relating to peer–to–peer car sharing 22 programs. 23 BY repealing 24 Article – Insurance 25 Section 10–6A–05 26 Annotated Code of Maryland 27 (2017 Replacement Volume and 2024 Supplement) 28 BY repealing and reenacting, with amendments, 29 2 SENATE BILL 771 Article – Insurance 1 Section 19–520 2 Annotated Code of Maryland 3 (2017 Replacement Volume and 2024 Supplement) 4 BY repealing and reenacting, with amendments, 5 Article – Transportation 6 Section 18.5–102, 18.5–108, and 21–202.1(a)(3) 7 Annotated Code of Maryland 8 (2020 Replacement Volume and 2024 Supplement) 9 BY repealing and reenacting, without amendments, 10 Article – Transportation 11 Section 21–202.1(a)(1) and (5) and (d)(1) 12 Annotated Code of Maryland 13 (2020 Replacement Volume and 2024 Supplement) 14 SECTION 1. BE IT ENACTED BY THE GENERAL ASSEMBLY OF MARYLAND, 15 That the Laws of Maryland read as follows: 16 Article – Insurance 17 [10–6A–05. 18 (a) Except as provided in subsection (b) of this section, an insurance policy sold in 19 connection with, and incidental to, a peer–to–peer car sharing program agreement under 20 the provisions of this subtitle is primary to any other valid and collectible coverage. 21 (b) Any insurance sold to a shared vehicle driver under the provisions of this 22 subtitle is not primary to the coverage provided by the peer–to–peer car sharing program 23 under § 19–520(d)(1) of this article.] 24 19–520. 25 (a) (1) In this section the following words have the meanings indicated. 26 (2) “Car sharing delivery period” means the period of time during which a 27 shared motor vehicle is being delivered to the location of the car sharing start time, as 28 documented by the shared vehicle owner under a peer–to–peer car sharing program 29 agreement. 30 (3) “Car sharing period” means the period of time that commences with the 31 car sharing delivery period and ends at the car sharing termination time. 32 (4) “Car sharing start time” means the time when a shared motor vehicle 33 becomes subject to the control of the shared vehicle driver at or after the time the 34 SENATE BILL 771 3 reservation of a shared motor vehicle is scheduled to begin as documented in the records of 1 a peer–to–peer car sharing program. 2 (5) “Car sharing termination time” means: 3 (i) the time when the shared motor vehicle is returned to the 4 location designated by the shared vehicle owner through a peer–to–peer car sharing 5 program; and 6 (ii) the earliest of the following occurs: 7 1. the expiration of the agreed period of time established for 8 the use of the shared motor vehicle; 9 2. the intent to terminate the use of the shared motor vehicle 10 is verifiably communicated to the peer–to–peer car sharing program; or 11 3. the shared vehicle owner, or the shared vehicle owner’s 12 authorized designee, takes possession and control of the shared motor vehicle. 13 (6) “Intentional or fraudulent material misrepresentation” means an 14 affirmative statement or an omission by a shared vehicle owner that misrepresents 15 material facts about the shared vehicle owner or the shared motor vehicle. 16 (7) “Motor vehicle” has the meaning stated in § 11 –135 of the 17 Transportation Article. 18 (8) “Peer–to–peer car sharing” means the authorized use of a motor vehicle 19 by an individual other than the vehicle’s owner through a peer–to–peer car sharing 20 program. 21 (9) “Peer–to–peer car sharing program” means a platform that is in the 22 business of connecting vehicle owners with drivers to enable the sharing of motor vehicles 23 for financial consideration. 24 (10) “Peer–to–peer car sharing program agreement” means the written 25 terms and conditions applicable to a shared vehicle owner and a shared vehicle driver that 26 govern the use of a shared vehicle through a peer–to–peer car sharing program under the 27 provisions of this section and Title 18.5 of the Transportation Article. 28 (11) “Shared motor vehicle” means a motor vehicle that is available for 29 sharing through a peer–to–peer car sharing program. 30 (12) “Shared vehicle driver” means an individual who has: 31 (i) reserved the use of a shared motor vehicle through a 32 peer–to–peer car sharing program; and 33 4 SENATE BILL 771 (ii) been authorized to drive the shared motor vehicle by the 1 peer–to–peer car sharing program. 2 (13) “Shared vehicle owner” means the registered owner of a motor vehicle 3 made available for sharing to shared vehicle drivers through a peer–to–peer car sharing 4 program. 5 (b) (1) Solely on the basis that a motor vehicle is shared through a 6 peer–to–peer car sharing program: 7 (i) a peer–to–peer car sharing program may not be considered to 8 have rented the vehicle under Title 18, Subtitle 1 of the Transportation Article; 9 (ii) the shared vehicle owner may not be considered to have rented a 10 vehicle under Title 18, Subtitle 1 of the Transportation Article; and 11 (iii) a peer–to–peer car sharing program may not be considered to be: 12 1. a rental vehicle company under § 18 –108 of the 13 Transportation Article; or 14 2. a motor vehicle rental company under Title 10, Subtitle 6 15 of this article. 16 (2) Subject to subsection (e)(1) of this section, the use of a shared motor 17 vehicle through a peer–to–peer car sharing program does not constitute a commercial use 18 solely on the basis that the motor vehicle is available for sharing or used through a 19 peer–to–peer car sharing program. 20 (c) (1) (i) Except as provided in subparagraph (ii) of this paragraph, a 21 peer–to–peer car sharing program shall assume the liability of a shared vehicle owner for 22 any bodily injury or property damage to third parties or uninsured and underinsured 23 motorist or personal injury protection losses during the car sharing period in an amount 24 stated in the peer–to–peer car sharing program agreement, which amount may not be less 25 than the minimum amount of security required under § 17–103 of the Transportation 26 Article. 27 (ii) Except for the minimum security required under § 17–103 of the 28 Transportation Article for any injured person who did not make the intentional or 29 fraudulent misrepresentation, the assumption of liability under paragraph (1) of this 30 subsection does not apply if the shared vehicle owner made an intentional or fraudulent 31 material misrepresentation to the peer–to–peer car sharing program before the car sharing 32 period in which the loss occurred. 33 (2) [Nothing in paragraph] PARAGRAPH (1) of this subsection DOES NOT 34 LIMIT: 35 SENATE BILL 771 5 (i) [limits] the liability of the peer–to–peer car sharing program for 1 any act or omission of the peer–to–peer car sharing program itself that results in injury to 2 any person as a result of the use of a shared motor vehicle through a peer–to–peer car 3 sharing program; or 4 (ii) [limits] the ability of the peer–to–peer car sharing program to, 5 by contract, seek indemnification from the shared vehicle owner or the shared vehicle driver 6 for economic loss sustained by the peer–to–peer car sharing program resulting from a 7 breach of the terms and conditions of the peer–to–peer car sharing program agreement. 8 (3) Each peer–to–peer car sharing program agreement made with respect 9 to a car sharing arrangement in the State shall disclose to the shared vehicle owner and 10 the shared vehicle driver: 11 (i) any right of the peer–to–peer car sharing program to seek 12 indemnification from the shared vehicle owner or the shared vehicle driver for economic 13 loss sustained by the peer–to–peer car sharing program resulting from a breach of the 14 terms and conditions of the peer–to–peer car sharing program agreement; 15 (ii) that a motor vehicle liability insurance policy issued to the 16 shared vehicle owner for the shared motor vehicle or to the shared vehicle driver does not 17 provide a defense or indemnification for any claim asserted by the peer–to–peer car sharing 18 program under item (i) of this paragraph; 19 (iii) that the peer–to–peer car sharing program’s insurance coverage 20 on the shared vehicle owner and the shared vehicle driver is in effect only during each car 21 sharing period and that, for any use of the shared motor vehicle by the shared vehicle driver 22 after the car sharing termination time, the shared vehicle driver and the shared vehicle 23 owner should contact the shared vehicle driver’s or the shared vehicle owner’s insurer about 24 insurance coverage; AND 25 (iv) [that the peer–to–peer car sharing program’s motor vehicle 26 liability insurance policy may be exclusive for the shared vehicle owner and is primary for 27 the shared vehicle driver, but may be secondary for the shared vehicle driver if the shared 28 motor vehicle is used as a replacement vehicle, as defined in § 18.5–102(a)(2)(i) of the 29 Transportation Article; and 30 (v)] the daily rate, fees, any insurance costs, and any protection 31 package costs that are charged to the shared vehicle owner or the shared vehicle driver. 32 (4) At the time when a vehicle owner registers as a shared vehicle owner 33 on a peer–to–peer car sharing program and prior to the time when the shared vehicle owner 34 makes a shared motor vehicle available for car sharing on the peer–to–peer car sharing 35 program, the peer–to–peer car sharing program shall notify the shared vehicle owner that, 36 if the shared motor vehicle has a lien against it, the use of the shared motor vehicle through 37 6 SENATE BILL 771 a peer–to–peer car sharing program, including use without physical damage coverage, may 1 violate the terms of the contract with the lienholder. 2 (d) (1) A peer–to–peer car sharing program shall ensure that, during each car 3 sharing period, the shared vehicle owner and the shared vehicle driver are insured under 4 a motor vehicle liability insurance policy that: 5 (I) PROVIDES COVERAGE IN AMOUNTS NOT LESS THA N THOSE 6 REQUIRED UNDER § 17–103 OF THE TRANSPORTATION ARTICLE; AND 7 [(i)] (II) 1. recognizes that the vehicle insured under the policy 8 is made available and used through a peer–to–peer car sharing program; [and] OR 9 [(ii) provides the minimum security required under § 17–103 of the 10 Transportation Article.] 11 2. DOES NOT EXCLUDE THE USE OF THE SHARED MO TOR 12 VEHICLE BY A SHARED VEHICLE DRIVER . 13 (2) The insurance described under paragraph (1) of this subsection may be 14 satisfied by motor vehicle liability insurance maintained by: 15 (i) a shared vehicle owner; 16 (ii) A SHARED VEHICLE DRI VER; 17 (III) a peer–to–peer car sharing program; or 18 [(iii)] (IV) [both] ANY COMBINATION OF a shared vehicle owner, A 19 SHARED VEHICLE DRIVER , and a peer–to–peer car sharing program. 20 (3) (I) IN THIS PARAGRAPH , “REPLACEMENT VEHICLE ” MEANS A 21 SHARED MOTOR VEHICLE THAT IS USED IN A PEER–TO–PEER CAR SHARING 22 PROGRAM WHILE A MOTO R VEHICLE OWNED BY T HE SHARED MOTOR VEHICLE 23 DRIVER IS NOT IN USE BECAUS E OF LOSS, AS “LOSS” IS DEFINED IN THAT 24 INDIVIDUAL’S APPLICABLE PRIVATE PASSENGER AUTOMOBILE INSURANCE POLICY , 25 OR BECAUSE OF BREAKD OWN, REPAIR, SERVICE, OR DAMAGE. 26 (II) NOTWITHSTANDING PARAGRAPH (2)(II) OF THIS 27 SUBSECTION, THE MARYLAND AUTOMOBILE INSURANCE FUND MAY NOT BE 28 REQUIRED TO PROVIDE COVERAGE TO A SHARED VEHICLE DRIVER FOR U SE OF A 29 SHARED VEHICLE THAT IS NOT A REPLACEMENT VEHICLE. 30 (4) (i) A peer–to–peer car sharing program shall have an insurable 31 interest in a shared motor vehicle during the car sharing period. 32 SENATE BILL 771 7 (ii) A peer–to–peer car sharing program may own and maintain as 1 the named insured one or more policies of motor vehicle liability insurance that provides 2 coverage in the amount of, in excess of, or optional to the minimum amount of coverage 3 required to be provided under paragraph (1) of this subsection, including coverage for: 4 1. liabilities assumed by the peer–to–peer car sharing 5 program under a peer–to–peer car sharing program agreement; 6 2. any liability of the shared vehicle owner; 7 3. damage or loss to the shared motor vehicle; and 8 4. any liability of the shared vehicle driver. 9 (iii) An offer by a peer–to–peer car sharing program to provide 10 coverage to a shared vehicle driver in the amount of, in excess of, or optional to the 11 minimum amount of coverage required to be provided under paragraph (1) of this 12 subsection, whether on a stand–alone basis or as part of a financial protection package, 13 shall be considered the sale or offer of insurance under Title 10, Subtitle 6A of this article. 14 [(4)] (5) The insurance described under paragraph (1) of this subsection 15 or authorized under paragraph [(3)] (4) of this subsection shall: 16 (i) as to coverage of the shared vehicle driver, pay claims on a first 17 dollar basis; and 18 (ii) be issued by: 19 1. an insurer authorized to do business in the State; or 20 2. solely with respect to insurance maintained by a 21 peer–to–peer car sharing program under paragraph [(3)] (4) of this subsection, an eligible 22 surplus lines insurer: 23 A. in accordance with the requirements of Title 3, Subtitle 3 24 of this article; and 25 B. having an A.M. Best financial strength rating of A– or 26 better. 27 [(5)] (6) (i) The insurance described under paragraph (1) of this 28 subsection shall, as to coverage of the shared vehicle owner, pay claims on a first dollar 29 basis. 30 (ii) This paragraph may not apply to the terms and conditions under 31 the insurance policy applicable to the peer–to–peer car sharing program. 32 8 SENATE BILL 771 [(6)] (7) Consumer complaints concerning claims against a surplus lines 1 policy issued in connection with, and incidental to, a peer–to–peer car sharing program 2 agreement are subject to the Commissioner’s authority under § 27–303 of this article. 3 [(7)] (8) [(i) Except as provided in subparagraph (ii) of this paragraph, 4 the motor vehicle liability insurance policy described in paragraph (1) of this subsection 5 shall be primary with respect to the shared vehicle driver, but may be secondary to the 6 shared vehicle driver’s motor vehicle liability insurance policy if the shared motor vehicle 7 is used by the shared vehicle driver as a replacement vehicle, as defined in § 8 18.5–102(a)(2)(i) of the Transportation Article. 9 (ii)] If the insurance maintained by [the] A shared vehicle driver has 10 lapsed, or is otherwise not in force, the peer–to–peer car sharing program’s insurance 11 coverage required under paragraph (1) of this subsection shall be primary. 12 (9) IF A CLAIM THAT ARISE S OUT OF AN OCCUR RENCE DURING THE 13 CAR SHARING PERIOD O CCURRED IN ANOTHER S TATE WITH MINIMUM FI NANCIAL 14 RESPONSIBILITY LIMIT S HIGHER THAN THOSE REQUIRED UNDER § 17–103 OF THE 15 TRANSPORTATION ARTICLE, THE COVERAGE REQUIRE D UNDER PARAGRAPH (1) OF 16 THIS SUBSECTION SHAL L BE IN AN AMOUNT UP TO THE MINIMUM CO VERAGE 17 AMOUNT REQUIRED IN T HE STATE IN WHICH TH E CLAIM OCCURRED. 18 (e) (1) An authorized insurer that writes motor vehicle liability insurance in 19 the State and the Maryland Automobile Insurance Fund may exclude any and all coverage 20 and the duty to defend or indemnify for any claim afforded under a shared vehicle owner’s 21 personal motor vehicle liability insurance policy for any loss or injury that occurs during 22 the car sharing period. 23 (2) A motor vehicle insurer that defends or indemnifies a claim against a 24 driver that is excluded under the terms of its policy shall have the right to seek contribution 25 against the motor vehicle insurer of the peer–to–peer car sharing program if the claim is: 26 (i) made against the shared vehicle owner or the shared vehicle 27 driver for loss or injury that occurs during the car sharing period; and 28 (ii) excluded under the terms of its policy. 29 (3) Nothing in this section invalidates or limits an exclusion contained in a 30 motor vehicle liability insurance policy, including any insurance policy in use or approved 31 for use before October 1, 2018, that excludes coverage for motor vehicles made available for 32 rent, sharing, or hire or for any business use. 33 (4) The right to exclude any and all coverage and the duty to defend under 34 paragraph (1) of this subsection applies to any coverage included in a motor vehicle liability 35 insurance policy, including: 36 SENATE BILL 771 9 (i) liability coverage for bodily injury and property damage; 1 (ii) uninsured and underinsured motorist coverage; 2 (iii) medical payments coverage; 3 (iv) personal injury protection coverage; 4 (v) comprehensive physical damage coverage; and 5 (vi) collision physical damage coverage. 6 [(f) (1) Except as provided in paragraph (2) of this subsection, a motor vehicle 7 insurer may not deny, cancel, void, terminate, rescind, or nonrenew a personal motor 8 vehicle liability insurance policy of a shared vehicle owner solely on the basis that a motor 9 vehicle covered under the policy has been made available for sharing through a 10 peer–to–peer car sharing program. 11 (2) A motor vehicle insurer may deny, cancel, void, terminate, rescind, or 12 nonrenew a personal motor vehicle liability insurance policy covering a motor vehicle that 13 has been made available for sharing through a peer–to–peer car sharing program if the 14 applicant or policyholder of the personal motor vehicle liability insurance fails to provide 15 complete and accurate information about the use of a shared motor vehicle through the 16 peer–to–peer car sharing program as requested by the motor vehicle insurer during the 17 application or renewal process of the motor vehicle liability insurance policy.] 18 (F) THIS SECTION DOES NOT INVALIDATE OR LIMIT AN EXCLUSION 19 CONTAINED IN A MOTOR VEHICLE LIABIL ITY INSURANCE POLICY , INCLUDING AN 20 INSURANCE POLICY IN USE OR APPROVED F OR USE THAT EXCLUDES COVERAGE FOR 21 MOTOR VEHICLES MADE AVAILABLE FOR RENT , SHARING, OR HIRE OR FOR A 22 BUSINESS USE. 23 (g) [Nothing in this section: 24 (1) requires any shared vehicle owner’s personal motor vehicle liability 25 insurance policy to provide primary or excess coverage during the car sharing period; 26 (2) may be interpreted to imply that any shared vehicle owner’s personal 27 motor vehicle liability insurance policy provides coverage for a motor vehicle during the car 28 sharing period; or 29 (3) precludes a motor vehicle insurer from providing coverage for a shared 30 vehicle owner’s vehicle while the vehicle is made available or used through a peer–to–peer 31 car sharing program if the motor vehicle insurer elects to do so by contract or endorsement. 32 10 SENATE BILL 771 (h)] (1) Coverage under a motor vehicle liability insurance policy maintained 1 by a peer–to–peer car sharing program may not be dependent on the denial of a claim by 2 another motor vehicle insurer. 3 (2) A motor vehicle insurer of a personal motor vehicle liability insurance 4 policy may not be required to first deny a claim. 5 [(i)] (H) A peer–to–peer car sharing program and a shared vehicle owner shall 6 be exempt from vicarious liability [in accordance] CONSISTENT with 49 U.S.C. § 30106 7 and under any state or local law that imposes liability solely based on vehicle ownership. 8 [(j)] (I) In a claim coverage investigation following a vehicular accident, a 9 peer–to–peer car sharing program shall cooperate to facilitate the exchange of information 10 with directly involved parties and any motor vehicle insurer of a shared vehicle owner 11 regarding the vehicle’s use in a peer–to–peer car sharing program. 12 Article – Transportation 13 18.5–102. 14 (a) (1) A peer–to–peer car sharing program shall ensure that, during each car 15 sharing period, the shared vehicle owner and the shared vehicle driver are insured under 16 a motor vehicle liability insurance policy in accordance with § 19–520 of the Insurance 17 Article. 18 (2) (i) In this paragraph, “replacement vehicle” means a motor vehicle 19 that is used in a peer–to–peer car sharing program while a motor vehicle owned by the 20 individual is not in use because of loss, as “loss” is defined in that individual’s applicable 21 private passenger automobile insurance policy, or because of breakdown, repair, service, or 22 damage. 23 (ii) Subject to subparagraph (iii) of this paragraph, a replacement 24 vehicle OR SHARED MOTOR VEHI CLE that is made available through a peer–to–peer car 25 sharing program may be deemed to have satisfied the requirement of paragraph (1) of this 26 subsection by maintaining the minimum amount of security required under § 17–103 of 27 this article that is secondary to any other valid and collectible coverage and that extends 28 coverage to the owner’s motor vehicle in amounts required under § 17–103(b) of this article 29 while it is used as a replacement vehicle OR SHARED MOTOR VEHI CLE. 30 (iii) For a replacement vehicle that is made available through a 31 peer–to–peer car sharing program, the peer–to–peer car sharing program agreement for 32 the replacement vehicle to be signed by a shared vehicle owner and a shared vehicle driver 33 shall contain a provision on the face of the peer–to–peer car sharing program agreement, 34 in at least 10 point bold type, that informs the shared vehicle driver and the shared vehicle 35 owner that the coverage on the vehicle being serviced or repaired is primary coverage for 36 SENATE BILL 771 11 the replacement vehicle and the coverage maintained by the peer–to–peer car sharing 1 program on the replacement vehicle is secondary. 2 (b) Notwithstanding any provision of a peer–to–peer car sharing program 3 agreement to the contrary, the security required under this section shall cover the shared 4 vehicle owner and each person driving or using the shared motor vehicle with the 5 permission of the owner or the peer–to–peer car sharing program. 6 18.5–108. 7 (a) (1) A peer–to–peer car sharing program may charge a shared vehicle driver 8 a separately stated fee to recover the following costs incurred by the peer–to–peer car 9 sharing program: 10 [(1)] (I) Any concession fees paid to a government –owned or 11 government–operated: 12 [(i)] 1. Airport; or 13 [(ii)] 2. Other entity; and 14 [(2)] (II) Any other fee or charge imposed by a governmental entity. 15 [(b)] (2) If a peer–to–peer car sharing program advertises the rate available for 16 a shared motor vehicle in the State, the fees authorized under this [section] SUBSECTION 17 shall be clearly disclosed in the advertisement. 18 (B) A PEER–TO–PEER CAR SHARING PR OGRAM MAY TRANSFER M ONETARY 19 LIABILITY AND CHARGE A SHARED VEHICLE DRI VER FOR ANY TOLL , FEE, CHARGE, 20 OR FINE IMPOSED FOR ANY ACT OR OMISSION INVOLVING THE SHARED MOTOR 21 VEHICLE THAT OCCURRE D WHILE THE VEHICLE WAS UNDER THE CONTRO L OR 22 POSSESSION OF THE SH ARED VEHICLE DRIVER DURIN G THE CAR SHARING PE RIOD. 23 21–202.1. 24 (a) (1) In this section the following words have the meanings indicated. 25 (3) (i) “Owner” means the registered owner of a motor vehicle or a 26 lessee of a motor vehicle under a lease of 6 months or more. 27 (ii) “Owner” does not include [a]: 28 1. A motor vehicle rental or leasing company [or a]; 29 12 SENATE BILL 771 2. A holder of a special registration plate issued under Title 1 13, Subtitle 9, Part III of this article; OR 2 3. A PEER–TO–PEER CAR SHARING PRO GRAM UNDER § 3 19–520 OF THE INSURANCE ARTICLE. 4 (5) “Traffic control signal monitoring system” means a device with one or 5 more motor vehicle sensors working in conjunction with a traffic control signal to produce 6 recorded images of motor vehicles entering an intersection against a red signal indication. 7 (d) (1) Unless the driver of the motor vehicle received a citation from a police 8 officer at the time of the violation, the owner or, in accordance with subsection (g)(5) of this 9 section, the driver of a motor vehicle is subject to a civil penalty if the motor vehicle is 10 recorded by a traffic control signal monitoring system while being operated in violation of 11 § 21–202(h) of this subtitle. 12 SECTION 2. AND BE IT FURTHER ENACTED, That this Act shall take ef fect 13 October 1, 2025. 14