HB 1463: Motor vehicles; peer-to-peer car-sharing program; add damage to the owner's vehicle to the program's liability

Georgia law already requires peer-to-peer car-sharing programs, such as apps that let people rent out their personal vehicles, to carry liability coverage for bodily injury and property damage to third parties during a rental. This bill expands that assumed liability to also include damage to the vehicle owner's own car while it is being shared. The bill also rewrites Georgia's insurable interest law for these programs (O.C.G.A. § 40-1-227). It removes a provision saying the law does not force these programs to maintain coverage, and instead requires them to carry a physical damage policy covering collision and comprehensive losses to the shared vehicle. That required policy only kicks in when the owner's own insurance excludes coverage during the sharing period. The policy may include a deductible of up to $1,000 per incident and can include subrogation rights, meaning the insurer could seek reimbursement from an at-fault driver.

• Adds damage to the vehicle owner's own car to the list of losses that a peer-to-peer car-sharing program must cover as part of its assumed liability during a rental period.
• Removes the current statement that nothing in the law forces a car-sharing program to maintain insurance coverage.
• Requires car-sharing programs to own and maintain a physical damage insurance policy covering collision and comprehensive losses to the shared vehicle.
• Limits that required coverage to situations where the vehicle owner's personal insurance does not cover physical damage during the sharing period.
• Allows the required policy to include a deductible of up to $1,000 per incident and to include subrogation rights against an at-fault driver.

People who list their personal vehicles on peer-to-peer car-sharing apps in Georgia, the drivers who rent those vehicles, the car-sharing companies that run the platforms, and the insurers that write policies for these companies and for vehicle owners.

Vehicle owners who share their cars would gain a guaranteed source of coverage for damage to their own vehicle during a rental, shifting that financial risk toward the car-sharing program's insurance rather than the owner's personal policy, subject to a deductible of up to $1,000.

• Section 1 revises O.C.G.A. § 40-1-221 to add 'damage to the owner's vehicle' to the losses a car-sharing program must assume liability for during the rental period.
• Section 1 also adds owner's vehicle damage to the list of losses covered under the minimum liability amounts referenced in O.C.G.A. § 33-7-11.
• Section 2 revises O.C.G.A. § 40-1-227 by deleting the current subsection (b), which stated the law creates no obligation for programs to maintain coverage.
• Section 2 adds a new subsection requiring programs to maintain a physical damage policy for collision and comprehensive losses to the shared vehicle, written by an insurer admitted in Georgia.
• Section 2 specifies this required policy applies only when the owner's personal insurance excludes or lacks coverage for such damage during the car-sharing period.
• Section 2 allows the required policy to include a deductible up to $1,000 per occurrence and subrogation rights against a person at fault.
• Section 3 repeals conflicting laws.

1. 2026-03-03House Second Readers (House)
2. 2026-02-26House First Readers (House)
3. 2026-02-25House Hopper (House)

• Bruce Williamson (R, HD-112)Primary sponsor
• Brian Prince (D, HD-132)
• Charles Cannon (R, HD-172)
• Alan Powell (R, HD-033)

• car sharing
• auto insurance
• peer-to-peer rentals
• motor vehicle law
• Turo regulation