AB-2361 • 2026

Insurance: personal vehicle sharing.

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor: Pacheco
Last action: 2026-04-23
Official status: From committee: Amend, and do pass as amended and re-refer to Com. on APPR. (Ayes 16. Noes 0.) (April 22).
Effective date: Not listed

Plain English Breakdown

The official source material does not provide information on what happens if a car sharing program cannot cover all damages, nor how this law will affect insurance companies and their policies.

Insurance Rules for Personal Vehicle Sharing

This law changes insurance requirements for personal vehicle sharing programs to specify minimum liability coverage instead of requiring full responsibility.

What This Bill Does

Changes the rules so that a car sharing program does not have to take full responsibility if something bad happens while someone else is driving the shared car, but must cover at least $15,000 for one person's injury or death and up to $30,000 for more than one person in an accident.
Requires coverage of at least $5,000 for damage to other people’s property during a shared ride.

Who It Names or Affects

People who share their personal cars with others through car sharing programs
Car sharing program operators

Terms To Know

Personal vehicle sharing: When the owner of a private car allows other people to use it, often for a fee.
Liability: The responsibility to pay for damages or injuries caused by someone else's actions.

Limits and Unknowns

Does not specify what happens if the car sharing program does not have enough money to cover all damages.
It is unclear how this law will affect insurance companies and their policies.

Bill History

2026-04-23 California Legislative Information
From committee: Amend, and do pass as amended and re-refer to Com. on APPR. (Ayes 16. Noes 0.) (April 22).
2026-03-09 California Legislative Information
Referred to Com. on INS.
2026-02-20 California Legislative Information
From printer. May be heard in committee March 22.
2026-02-19 California Legislative Information
Read first time. To print.

Official Summary Text

AB 2361, as introduced, Pacheco.
Insurance: personal vehicle sharing.
Existing law generally regulates classes of insurance, including automobile liability insurance. Existing law prohibits classifying a private passenger motor vehicle as a commercial vehicle, for-hire vehicle, permissive use vehicle, or livery solely because its owner allows it to be shared, if specified criteria are met. In the event of a loss or injury that occurs during any time period when the vehicle is under the operation and control of a person other than the vehicle owner, existing law requires the personal vehicle sharing program to assume all liability of the owner and is considered the owner of the vehicle for all purposes.
Existing law limits the liability of a private owner to the amount of $15,000 for the death of or injury to one person in any one accident and, subject specified circumstances, $30,000 for the death of or injury to
more than one person in any one accident, and $5,000 for damage to property of others in any one accident.
This bill would, instead of requiring a personal vehicle sharing program to assume all liability of the owner, require the program to assume liability of the owner for bodily injury or property damage to injured third parties resulting from personal vehicle sharing in amounts stated in the personal vehicle sharing program agreement, in amounts not less than the $15,000, $30,000, and $5,000 described above.

Current Bill Text

Read the full stored bill text

Download Bill PDF