---
title: HB 1463. Motor vehicles; peer-to-peer car-sharing program; add damage to the owner's vehicle to the program's liability
collection: bills
id: 2025-2026/hb1463
cite_as: HB 1463, 2025-2026 Regular Session (Ga.)
canonical_url: https://georgiacommons.org/bills/2025-2026/hb1463
md_url: https://georgiacommons.org/bills/2025-2026/hb1463.md
text_url: https://georgiacommons.org/bills/2025-2026/hb1463/text
source_url: https://www.legis.ga.gov/legislation/73666
date: 2026-03-03
status: introduced
corpus_version: bills-2026-09-13
license: Public record of the Georgia General Assembly, via LegiScan; see about.md
publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice.
up: https://georgiacommons.org/bills/2025-2026.md
previous: https://georgiacommons.org/bills/2025-2026/hb1462.md
next: https://georgiacommons.org/bills/2025-2026/hb1464.md
index: https://georgiacommons.org/bills/index.md
omitted: votes and history
omitted_chars: 129
omitted_url: https://georgiacommons.org/bills/2025-2026/hb1463.md?full=1
bill_number: HB 1463
session: 2025-2026 Regular Session
session_slug: 2025-2026
chamber: House
bill_type: bill
status_date: 2026-02-25
last_action: House Second Readers
sponsors:
- Bruce Williamson
- Brian Prince
- Charles Cannon
- Alan Powell
text_version: Introduced
has_text: true
legiscan_url: https://legiscan.com/GA/bill/HB1463/2025
upstream_id: 2124833
summaries_model: claude-sonnet-5
topic_tags:
- car sharing
- auto insurance
- peer-to-peer rentals
- motor vehicle law
- Turo regulation
---
# HB 1463. Motor vehicles; peer-to-peer car-sharing program; add damage to the owner's vehicle to the program's liability
## Text
House Bill 1463
By: Representatives Williamson of the 112th, Prince of the 132nd, Cannon of the 172nd, and
Powell of the 33rd
A BILL TO BE ENTITLED
AN ACT
To amend Part 5 of Article 3 of Chapter 1 of Title 40 of the Official Code of Georgia
Annotated, relating to peer-to-peer car-sharing program, so as to add damage to the owner's
vehicle to the program's liability; to provide for conforming changes; to provide for related
matters; to repeal conflicting laws; and for other purposes.
BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA:
SECTION 1.
Part 5 of Article 3 of Chapter 1 of Title 40 of the Official Code of Georgia Annotated,
relating to peer-to-peer car-sharing program, is amended by revising subsection (a) of Code
Section 40-1-221, relating to assumption of liability and insurance, as follows:
"(a)(1) A peer-to-peer car-sharing program shall assume liability, except as provided in
paragraph (2) of this subsection, of a shared vehicle owner for any bodily injury or
property damage to third parties or damage to the owner's vehicle or an uninsured and
underinsured motorist or personal injury protection losses during the car-sharing period
in an amount stated in the car-sharing program agreement, which amount may not be less
than those set forth in paragraph (1) of subsection (a) of Code Section 33-7-11.
(2) The assumption of liability under paragraph (1) of this subsection shall not apply if
a shared vehicle owner:
(A) Made an intentional or fraudulent material misrepresentation or omission to the
peer-to-peer car-sharing program before the car-sharing period in which the loss
occurred; or
(B) Acted or acts in concert with a shared vehicle driver who fails to return the shared
vehicle pursuant to the terms of the car-sharing program agreement.
(3) The assumption of liability under paragraph (1) of this subsection applies to bodily
injury, property damage, damage to the owner's vehicle, and uninsured and underinsured
motorist or personal injury protection losses by damaged third parties as required under
subsection (a) of Code Section 33-7-11."
SECTION 2.
Said part is further amended by revising Code Section 40-1-227, relating to insurable
interests, as follows:
"40-1-227.
(a) Notwithstanding any other provision of law, a peer-to-peer car-sharing program shall
have an insurable interest in a shared vehicle during the car-sharing period.
(b) Except as provided in Code Section 40-1-226, nothing in this part creates a liability on
a peer-to-peer car-sharing program to maintain the coverage mandated by this part.
(c)(b) A peer-to-peer car-sharing program may own and maintain as the named insured
one or more policies of motor vehicle liability insurance that provides coverage for:
(1) Liabilities assumed by the peer-to-peer car-sharing program under a car-sharing
program agreement;
(2) Any liability of the shared vehicle owner;
(3) Damage or loss to the shared motor vehicle; or
(4) Any liability of the shared vehicle driver.
(c)(1) A peer-to-peer car-sharing program shall own and maintain as the named insured
a policy of insurance written by an insurer admitted or authorized in this state covering
physical damage for collision and comprehensive losses to the shared vehicle during the
car-sharing period.
(2) The policy of insurance required by this Code section shall apply when such policy
maintained by the shared vehicle owner excludes or otherwise does not provide coverage
for physical damage for collision and comprehensive losses to the shared vehicle during
the car-sharing period.
(3) The policy of insurance required by this Code section may:
(A) Include a deductible in an amount no greater than $1,000.00 per occurrence; and
(B) Include subrogation rights against a tort-feasor."
SECTION 3.
All laws and parts of laws in conflict with this Act are repealed.
## Summaries written by Georgia Commons
The following was written by claude-sonnet-5 from the text above and is not part of the bill. Quote the text, not the summary.
A Georgia House bill would require peer-to-peer car-sharing platforms like Turo to cover damage to a vehicle owner's own car, not just injuries or damage to other people, during a rental period.
### Plain-language summary
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.
### What it does
- 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.
### Who it affects
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.
### Why it matters
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.
### Key provisions
- 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.
## Status
- Status: Introduced (2026-02-25)
- Last action: House Second Readers (2026-03-03)
- Sponsors: Bruce Williamson, Brian Prince, Charles Cannon, Alan Powell
- Official page: https://www.legis.ga.gov/legislation/73666
> The history, votes, and amendments (129 characters) are at https://georgiacommons.org/bills/2025-2026/hb1463.md?full=1