Rhode Island House Bill H7267

Rhode Island 2026 Regular Session

• Introduced: 1/23/26
• Refer: 1/23/26

Caption

Created a peer-to-peer car sharing program, which will prescribe insurance coverage and other related details while using a car sharing application.

Impact

The bill significantly impacts state insurance laws by introducing specific insurance obligations for peer-to-peer car sharing programs. It mandates that these programs provide adequate insurance coverage for shared vehicle drivers and owners, which includes liability for bodily injury and property damage to third parties. Additionally, it supersedes conflicting state laws and regulations, establishing itself as the primary framework governing car sharing arrangements, thereby ensuring clarity for participants and insurers. By doing so, it also seeks to promote the growth of the car sharing economy while enhancing consumer protection.

Summary

House Bill 7267 establishes the Peer-to-Peer Car Sharing Program Act, which creates a regulatory framework for peer-to-peer car sharing in Rhode Island. This legislation allows vehicle owners to share their cars through designated programs, providing a legal structure for interactions between vehicle owners and drivers. The bill outlines key definitions, including 'shared vehicle driver' and 'car sharing program agreement,' and establishes the responsibilities and rights of both parties involved in a car sharing transaction. Moreover, it ensures that liability for accidents during the car sharing period is covered by the peer-to-peer car sharing program's insurance.

Contention

Notable points of contention surrounding H7267 primarily stem from concerns regarding consumer safety and liability management. Critics have voiced fears that the exemption from vicarious liability might limit accountability for peer-to-peer car sharing programs, which could lead to complications in claims handling if accidents occur. Furthermore, there are apprehensions that the legislative framework might not sufficiently address the nuances related to existing local and state regulations on vehicle rentals. As the bill moves forward, ongoing discussions may focus on refining its provisions to balance the interests of users, insurers, and local governments.