Georgia CommonsHB 1463: Motor vehicles; peer-to-peer car-sharing program; add damage to the owner's vehicle to the program's liability
Introduced version, the latest LegiScan holds · Last action March 3, 2026 · Introduced
The text as LegiScan holds it, read from the PDF the legislature publishes with its margin line numbers, running heads, and page footers removed. Line breaks are joined into paragraphs here; no word is changed.
Underlined words are what the bill adds to current law and struck-through words are what it removes, as the printed bill shows them.
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.