FIRSTREGULARSESSION
HOUSEBILLNO.1032
103RDGENERALASSEMBLY
INTRODUCEDBYREPRESENTATIVEHAUSMAN.
2452H.01I JOSEPHENGLER,ChiefClerk
ANACT
Toamendchapter379,RSMo,byaddingtheretofourteennewsectionsrelatingtopeer-to-
peercar-sharingprograms,withadelayedeffectivedate.
BeitenactedbytheGeneralAssemblyofthestateofMissouri,asfollows:
SectionA.Chapter379,RSMo,isamendedbyaddingtheretofourteennewsections,
2tobeknownassections379.1900,379.1910,379.1915,379.1920,379.1925,379.1930,
3379.1935,379.1940,379.1945,379.1950,379.1955,379.1960,379.1965,and379.1970,to
4readasfollows:
379.1900.Sections379.1900to379.1970shallbeknownandmaybecitedasthe
2"Peer-to-PeerCar-SharingProgramInsuranceAct".
379.1910.Forpurposesofsections379.1900to379.1970,exceptwhereotherwise
2provided,thefollowingtermsmean:
3 (1)"Car-sharingdeliveryperiod",theperiodoftimeduringwhichashared
4vehicleisbeingdeliveredtothelocationofthecar-sharingstarttime,ifapplicable,as
5documentedbythegoverningcar-sharingprogramagreement;
6 (2)"Car-sharingperiod",theperiodoftimethatcommenceswiththecar-
7sharingdeliveryperiodor,ifthereisnocar-sharingdeliveryperiod,thatcommences
8withthecar-sharingstarttimeandineithercaseendsatthecar-sharingtermination
9time;
10 (3)"Car-sharingprogramagreement",thetermsandconditionsapplicabletoa
11sharedvehicleownerandasharedvehicledriverthatgoverntheuseofasharedvehicle
12throughapeer-to-peercar-sharingprogram.Theterm"car-sharingprogram
EXPLANATION—Matterenclosedinbold-facedbrackets[thus] intheabovebillisnotenactedandis
intendedtobeomittedfromthelaw.Matterinbold-facetypeintheabovebillisproposedlanguage. 13agreement"shallnotincludeamasterrentalagreementorarentalagreement,assuch
14termsaredefinedinsection407.730;
15 (4)"Car-sharingstarttime",thetimewhenthesharedvehiclebecomessubject
16tothecontrolofthesharedvehicledriveratorafterthetimethereservationofashared
17vehicleisscheduledtobeginasdocumentedintherecordsofapeer–to–peercar-sharing
18program;
19 (5)"Car-sharingterminationtime",theearliestofthefollowingevents:
20 (a)Theexpirationoftheagreed-uponperiodoftimeestablishedfortheuseofa
21sharedvehicleaccordingtothetermsofthecar-sharingprogramagreementifthe
22sharedvehicleisdeliveredtothelocationagreeduponinthecar-sharingprogram
23agreement;
24 (b)Whenthesharedvehicleisreturnedtoalocationasalternativelyagreed
25uponbythesharedvehicleownerandthesharedvehicledriverascommunicated
26throughapeer-to-peercar-sharingprogram,whichalternativelyagreed-uponlocation
27shallbeincorporatedintothecar-sharingprogramagreement;or
28 (c)Whenthesharedvehicleownerorthesharedvehicleowner'sauthorized
29designeetakespossessionandcontrolofthesharedvehicle;
30 (6)"Peer-to-peercarsharing",theauthorizeduseofavehiclebyanindividual
31otherthanthevehicle'sownerthroughapeer-to-peercar-sharingprogram.Theterm
32"peer-to-peercarsharing"shallnotincludearentalcarorrentalactivity,asdescribed
33insection407.732;
34 (7)"Peer-to-peercar-sharingprogram",abusinessplatformthatconnects
35vehicleownerswithdriverstoenablethesharingofvehiclesforfinancialconsideration.
36Theterm"peer-to-peercar-sharingprogram"shallnotincludeacarrentalcompany,as
37definedinsection407.730;
38 (8)"Sharedvehicle",avehiclethatisavailableforsharingthroughapeer-to-
39peercar-sharingprogram.Theterm"sharedvehicle"shallnotincludearentalcar,as
40describedinsection407.732;
41 (9)"Sharedvehicledriver",anindividualwhohasbeenauthorizedtodrivethe
42sharedvehiclebythesharedvehicleownerunderacar-sharingprogramagreement.
43Theterm"sharedvehicledriver"shallnotincludeanauthorizeddriver,asdefinedin
44section407.730;
45 (10)"Sharedvehicleowner",theregisteredowner,orapersonorentity
46designatedbytheregisteredowner,ofavehiclemadeavailableforsharingtoshared
47vehicledriversthroughapeer-to-peercar-sharingprogram.Theterm"sharedvehicle
48owner"shallnotincludeacarrentalcompany,asdefinedinsection407.730.
HB1032 2 379.1915.1.Exceptasprovidedinsubsection2ofthissection,apeer-to-peer
2car-sharingprogramshallassumeliabilityofasharedvehicleownerfor:
3 (1)Bodilyinjuryorpropertydamagetothirdparties;
4 (2)Uninsuredmotoristlosses;or
5 (3)Totheextentpersonalinjuryprotectioncoverageisrequiredbylaw,
6personalinjuryprotectionlosses
7
8duringthecar-sharingperiodinanamountstatedinthepeer-to-peercar-sharing
9programagreement,whichamountshallnotbelessthantheamountrequiredunder
10chapter303.
11 2.Notwithstandingthedefinitionof"car-sharingterminationtime"insection
12379.1910,theassumptionofliabilityundersubsection1ofthissectionshallnotapplyto
13anysharedvehicleownerwhen:
14 (1)Asharedvehicleownermakesanintentionalorfraudulentmaterial
15misrepresentationoromissiontothepeer-to-peercar-sharingprogrambeforethecar-
16sharingperiodinwhichthelossoccurred;or
17 (2)Actinginconcertwithasharedvehicledriverwhofailstoreturntheshared
18vehicleinaccordancewiththetermsofthecar-sharingprogramagreement.
19 3.Notwithstandingthedefinitionof"car-sharingterminationtime"insection
20379.1910,theassumptionofliabilityundersubsection1ofthissectionshallapplyto
21bodilyinjurylosses,propertydamagelosses,uninsuredmotoristlosses,ortotheextent
22personalinjuryprotectioncoverageisrequiredbylaw,personalinjuryprotection
23losses,bydamagedthirdpartiesasrequiredbychapter303.
24 4.Apeer-to-peercar-sharingprogramshallensurethat,duringeachcar-sharing
25period,thesharedvehicleownerandthesharedvehicledriverareinsuredundera
26motorvehicleliabilityinsurancepolicythatprovidesinsurancecoverageinamountsno
27lessthantheminimumamountssetforthinchapter303,andthat:
28 (1)Recognizesthatthesharedvehicleinsuredunderthepolicyismadeavailable
29andusedthroughapeer-to-peercar-sharingprogram;or
30 (2)Doesnotexcludeuseofasharedvehiclebyasharedvehicledriver.
31 5.Theinsurancedescribedundersubsection4ofthissectionmaybesatisfiedby
32motorvehicleliabilityinsurancemaintainedby:
33 (1)Asharedvehicleowner;
34 (2)Asharedvehicledriver;
35 (3)Apeer-to-peercar-sharingprogram;or
36 (4)Asharedvehicleowner,asharedvehicledriver,andapeer-to-peercar-
37sharingprogram.
HB1032 3 38 6.Theinsurancedescribedinsubsection5ofthissectionthatissatisfyingthe
39insurancerequirementofsubsection4ofthissectionshallbeprimaryduringeachcar-
40sharingperiod.Ifaclaimoccursinanotherstatewithminimumfinancialresponsibility
41limitshigherthantheminimumfinancialresponsibilityrequirementsinchapter303
42duringthecar-sharingperiod,thecoveragemaintainedundersubsection5ofthis
43sectionshallsatisfythedifferenceinminimumcoverageamountsuptotheapplicable
44policylimits.
45 7.Theinsurer,insurers,orpeer-to-peercar-sharingprogramproviding
46coverageundersubsection4or5ofthissectionshallassumeprimaryliabilityfora
47claimwhen:
48 (1)Adisputeexistsastowhowasincontrolofthesharedvehicleatthetimeof
49thelossandthepeer-to-peercar-sharingprogramdoesnothaveavailable,didnot
50retain,orfailstoprovidetheinformationrequiredbysection379.1930;or
51 (2)Adisputeexistsastowhetherthesharedvehiclewasreturnedtothe
52alternativelyagreed-uponlocationasrequiredunderparagraph(b)ofsubdivision(5)of
53section379.1910.
54 8.Ifinsurancemaintainedbyasharedvehicleownerorsharedvehicledriverin
55accordancewithsubsection5ofthissectionhaslapsedordoesnotprovidetherequired
56coverage,insurancemaintainedbyapeer-to-peercar-sharingprogramshallprovidethe
57coveragerequiredbysubsection4ofthissection,beginningwiththefirstdollarofa
58claim,andhavethedutytodefendsuchclaimexceptundercircumstancesassetforthin
59subsection2ofthissection.
60 9.Coverageunderanautomobileinsurancepolicymaintainedbythepeer-to-
61peercar-sharingprogramshallnotbedependentonanotherautomobileinsurerfirst
62denyingaclaimnorshallanotherautomobileinsurancepolicyberequiredtofirstdeny
63aclaim.
64 10.Nothinginthissection:
65 (1)Limitstheliabilityofthepeer-to-peercar-sharingprogramforanyactor
66omissionofthepeer-to-peercar-sharingprogramitselfthatresultsininjurytoany
67personasaresultoftheuseofasharedvehiclethroughapeer-to-peercar-sharing
68program;or
69 (2)Limitstheabilityofthepeer-to-peercar-sharingprogramto,bycontract,
70seekindemnificationfromthesharedvehicleownerorthesharedvehicledriverfor
71economiclosssustainedbythepeer-to-peercar-sharingprogramresultingfroma
72breachofthetermsandconditionsofthecar-sharingprogramagreement.
379.1920.Atthetimewhenavehicleownerregistersasasharedvehicleowner
2onapeer-to-peercar-sharingprogramandpriortothetimewhenthesharedvehicle
HB1032 4 3ownermakesasharedvehicleavailableforcarsharingonthepeer-to-peercar-sharing
4program,thepeer-to-peercar-sharingprogramshallnotifythesharedvehicleowner
5that,ifthesharedvehiclehasalienagainstit,theuseofthesharedvehiclethrougha
6peer-to-peercar-sharingprogram,includingusewithoutphysicaldamagecoverage,
7mayviolatethetermsofthecontractwiththelienholder.
379.1925.1.Anauthorizedinsurerthatwritesmotorvehicleliabilityinsurance
2inthisstatemayexcludeanyandallcoverageandthedutytodefendorindemnifyfor
3anyclaimaffordedunderasharedvehicleowner'smotorvehicleliabilityinsurance
4policyincluding,butnotlimitedto:
5 (1)Liabilitycoverageforbodilyinjuryandpropertydamage;
6 (2)Personalinjuryprotectioncoverage;
7 (3)Uninsuredandunderinsuredmotoristcoverage;
8 (4)Medicalpaymentscoverage;
9 (5)Comprehensivephysicaldamagecoverage;and
10 (6)Collisionphysicaldamagecoverage.
11 2.Nothinginsections379.1900to379.1970invalidatesorlimitsanexclusion
12containedinamotorvehicleliabilityinsurancepolicy,includinganyinsurancepolicyin
13useorapprovedforusethatexcludescoverageformotorvehiclesmadeavailablefor
14rent,sharing,orhireorforanybusinessuse.
15 3.Nothinginsections379.1900to379.1970invalidates,limits,orrestrictsan
16insurer'sabilityunderexistinglawtounderwriteanyinsurancepolicy.Nothingin
17sections379.1900to379.1970invalidates,limits,orrestrictsaninsurer'sabilityunder
18existinglawtocancelandnonrenewpolicies.
379.1930.Apeer-to-peercar-sharingprogramshallcollectandverifyrecords
2pertainingtotheuseofavehicleincluding,butnotlimitedto,timesused,car-sharing
3periodpick-upanddrop-offlocations,feespaidbythesharedvehicledriver,and
4revenuesreceivedbythesharedvehicleowner.Thepeer-to-peercar-sharingprogram
5shallprovidesuchinformationuponrequesttothesharedvehicleowner,theshared
6vehicleowner'sinsurer,orthesharedvehicledriver'sinsurertofacilitateaclaim
7coverageinvestigation,settlement,negotiation,orlitigation.Thepeer-to-peercar-
8sharingprogramshallretaintherecordsforatimeperiodnotlessthantheapplicable
9personalinjurystatuteoflimitations.
379.1935.Apeer-to-peercar-sharingprogramandasharedvehicleownershall
2beexemptfromvicariousliabilityinaccordancewith49U.S.C.Section30106andunder
3anystateorlocallawthatimposesliabilitysolelybasedonvehicleownership.
379.1940.Amotorvehicleinsurerthatdefendsorindemnifiesaclaimagainsta
2sharedvehiclethatisexcludedunderthetermsofitspolicyshallhavetherighttoseek
HB1032 5 3recoveryagainstthemotorvehicleinsurerofthepeer-to-peercar-sharingprogramif
4theclaimis:
5 (1)Madeagainstthesharedvehicleownerorthesharedvehicledriverforloss
6orinjurythatoccursduringthecar-sharingperiod;and
7 (2)Excludedunderthetermsofitspolicy.
379.1945.1.Notwithstandinganyotherlaw,statute,rule,orregulationtothe
2contrary,apeer-to-peercar-sharingprogramshallhaveaninsurableinterestina
3sharedvehicleduringthecar-sharingperiod.
4 2.Nothinginthissectioncreatesliabilityonapeer-to-peercar-sharingprogram
5tomaintainthecoveragemandatedbysection379.1915.
6 3.Apeer–to–peercar-sharingprogrammayownandmaintainasthenamed
7insuredoneormorepoliciesofmotorvehicleliabilityinsurancethatprovidescoverage
8for:
9 (1)Liabilitiesassumedbythepeer–to–peercar-sharingprogramunderapeer–
10to–peercar-sharingprogramagreement;
11 (2)Anyliabilityofthesharedvehicleowner;
12 (3)Damageorlosstothesharedvehicle;or
13 (4)Anyliabilityofthesharedvehicledriver.
379.1950.Eachcar-sharingprogramagreementmadeinthisstateshalldisclose
2tothesharedvehicleownerandthesharedvehicledriver:
3 (1)Anyrightofthepeer-to-peercar-sharingprogramtoseekindemnification
4fromthesharedvehicleownerorthesharedvehicledriverforeconomiclosssustained
5bythepeer-to-peercar-sharingprogramresultingfromabreachofthetermsand
6conditionsofthecar-sharingprogramagreement;
7 (2)Thatamotorvehicleliabilityinsurancepolicyissuedtothesharedvehicle
8ownerforthesharedvehicleortothesharedvehicledriverdoesnotprovideadefense
9orindemnificationforanyclaimassertedbythepeer-to-peercar-sharingprogram;
10 (3)Thatthepeer-to-peercar-sharingprogram'sinsurancecoverageonthe
11sharedvehicleownerandthesharedvehicledriverisineffectonlyduringeachcar-
12sharingperiodandthat,foranyuseofthesharedvehiclebythesharedvehicledriver
13afterthecar-sharingterminationtime,thesharedvehicledriverandthesharedvehicle
14ownermaynothaveinsurancecoverage;
15 (4)Thedailyrate,fees,andifapplicable,anyinsuranceorprotectionpackage
16coststhatarechargedtothesharedvehicleownerorthesharedvehicledriver;
17 (5)Thatthesharedvehicleowner'smotorvehicleliabilityinsurancemaynot
18providecoverageforasharedvehicle;
HB1032 6 19 (6)Anemergencytelephonenumbertopersonnelcapableoffieldingroadside
20assistanceandothercustomerserviceinquiries;and
21 (7)Whetherthereareconditionsunderwhichasharedvehicledriverisrequired
22tomaintainapersonalautomobileinsurancepolicywithcertainapplicablecoverage
23limitsonaprimarybasisinordertobookasharedmotorvehicle.
379.1955.1.Apeer-to-peercar-sharingprogramshallnotenterintoapeer-to-
2peercar-sharingprogramagreementwithadriverunlessthedriverwhowilloperate
3thesharedvehicle:
4 (1)Holdsadriver'slicenseissuedbythisstatethatauthorizesthedriverto
5operatevehiclesoftheclassofthesharedvehicle;
6 (2)Isanonresidentwho:
7 (a)Hasadriver'slicenseissuedbythestateorcountryofthedriver'sresidence
8thatauthorizesthedriverinthatstateorcountrytodrivevehiclesoftheclassofthe
9sharedvehicle;and
10 (b)Isatleastthesameageastheagerequiredofaresidenttodriveinthisstate;
11or
12 (3)Otherwiseisspecificallyauthorizedbythisstatetodrivevehiclesoftheclass
13ofthesharedvehicle.
14 2.Apeer-to-peercar-sharingprogramshallkeeparecordof:
15 (1)Thenameandaddressofthesharedvehicledriver;
16 (2)Thenumberofthedriver'slicenseofthesharedvehicledriverandofeach
17otherperson,ifany,whowilloperatethesharedvehicle;and
18 (3)Theplaceofissuanceofthedriver'slicense.
379.1960.Apeer-to-peercar-sharingprogramshallhavesoleresponsibilityfor
2anyequipment,suchasaGPSsystemorotherspecialequipment,thatisputinoronthe
3vehicletomonitororfacilitatethecar-sharingtransaction,andshallagreetoindemnify
4andholdharmlessthesharedvehicleownerforanydamagetoortheftofsuch
5equipmentduringthecar-sharingperiodnotcausedbythesharedvehicleowner.The
6peer-to-peercar-sharingprogramhastherighttoseekindemnityfromtheshared
7vehicledriverforanylossordamagetosuchequipmentthatoccursduringthecar-
8sharingperiod.
379.1965.1.Atthetimewhenavehicleownerregistersasasharedvehicle
2owneronapeer-to-peercar-sharingprogramandpriortothetimewhentheshared
3vehicleownermakesasharedvehicleavailableforcarsharingonthepeer-to-peercar-
4sharingprogram,thepeer-to-peercar-sharingprogramshall:
5 (1)Verifythatthesharedvehicledoesnothaveanysafetyrecallsonthevehicle
6forwhichtherepairshavenotbeenmade;and
HB1032 7 7 (2)Notifythesharedvehicleowneroftherequirementsundersubsection2of
8thissection.
9 2.(1)Ifthesharedvehicleownerhasreceivedanactualnoticeofasafetyrecall
10onthevehicle,thesharedvehicleownershallnotmakethevehicleavailableasashared
11vehicleonapeer-to-peercar-sharingprogramuntilthesafetyrecallrepairhasbeen
12made.
13 (2)Ifasharedvehicleownerreceivesanactualnoticeofasafetyrecallona
14sharedvehiclewhilethesharedvehicleismadeavailableonthepeer-to-peercar-sharing
15program,thesharedvehicleownershallremovethesharedvehicleasavailableonthe
16peer-to-peercar-sharingprogramassoonaspracticableafterreceivingthenoticeofthe
17safetyrecallanduntilthesafetyrecallrepairhasbeenmade.
18 (3)Ifasharedvehicleownerreceivesanactualnoticeofasafetyrecallwhilethe
19sharedvehicleisbeingusedinthepossessionofasharedvehicledriver,assoonas
20practicableafterreceivingthenoticeofthesafetyrecall,thesharedvehicleownershall
21notifythepeer-to-peercar-sharingprogramaboutthesafetyrecallsothattheshared
22vehicleownermayaddressthesafetyrecallrepair.
379.1970.Thedepartmentofcommerceandinsurancemaypromulgateall
2necessaryrulesandregulationsfortheadministrationofsections379.1900to379.1970.
3Anyruleorportionofarule,asthattermisdefinedinsection536.010,thatiscreated
4undertheauthoritydelegatedinthissectionshallbecomeeffectiveonlyifitcomplies
5withandissubjecttoalloftheprovisionsofchapter536and,ifapplicable,section
6536.028.Thissectionandchapter536arenonseverableandifanyofthepowersvested
7withthegeneralassemblypursuanttochapter536toreview,todelaytheeffectivedate,
8ortodisapproveandannularulearesubsequentlyheldunconstitutional,thenthegrant
9ofrulemakingauthorityandanyruleproposedoradoptedaftertheeffectivedateofthis
10sectionshallbeinvalidandvoid.
SectionB.Theenactmentofsections379.1900to379.1970ofthisactshallbecome
2effectiveonJanuary1,2026.
✔
HB1032 8