HB1463: HB1463 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, services that let people rent out their personal vehicles through an app, to assume liability for bodily injury and property damage to third parties during a rental. This bill adds damage to the vehicle owner's own car to that list of liabilities the program must cover. The bill also rewrites the insurance rules in O.C.G.A. § 40-1-227. It removes language saying the law does not require a program to maintain coverage, and instead requires the program to own and maintain, as the named insured, an insurance policy covering collision and comprehensive damage to the shared vehicle during the rental period. That required policy kicks in only when the owner's own insurance excludes such coverage during a car-sharing period. The policy may include a deductible up to $1,000 per incident and subrogation rights, meaning the insurer could seek repayment from an at-fault driver.

• Adds damage to the vehicle owner's own car to the list of losses a peer-to-peer car-sharing program must cover during a rental period.
• Removes a provision stating the law does not require a car-sharing program to maintain insurance coverage.
• Requires the program to own and maintain, as the named insured, a policy covering collision and comprehensive damage to the shared vehicle during the rental period.
• Limits that required coverage to situations where the vehicle owner's personal insurance excludes coverage during the car-sharing period.
• Allows the required insurance policy to include a deductible of up to $1,000 per occurrence and to include subrogation rights against an at-fault driver.

Georgia vehicle owners who rent out their cars through peer-to-peer car-sharing apps, the drivers who rent those vehicles, the car-sharing companies that must carry the insurance, and insurance companies that write policies covering these arrangements.

If a rented vehicle is damaged during a car-sharing period, the owner would have a clearer path to coverage from the car-sharing program's insurance rather than relying solely on their own policy, which may not cover a car being used for a paid rental.

• Section 1 revises O.C.G.A. § 40-1-221(a) to include damage to the owner's vehicle among the losses a car-sharing program must cover during the rental period, alongside third-party injury, property damage, and uninsured motorist losses.
• Section 1 keeps existing exceptions to this coverage, such as when the owner made a fraudulent misrepresentation or conspired with a driver who fails to return the vehicle.
• Section 2 removes language in O.C.G.A. § 40-1-227 stating the law creates no obligation for a program to maintain insurance coverage.
• Section 2 requires the program to maintain a policy, written by an insurer licensed in Georgia, covering collision and comprehensive damage to the shared vehicle during the rental period.
• Section 2 specifies this required policy applies only when the owner's own policy excludes coverage for the vehicle during the car-sharing period.
• Section 2 allows the policy to include a deductible of up to $1,000 per occurrence and subrogation rights against an at-fault driver.
• Section 3 repeals any 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 insurance
• peer-to-peer car rentals
• motor vehicle liability
• auto insurance
• Turo-style car rentals