At the time a vehicle owner registers as a shared-vehicle owner on a car-sharing program and before the time when the shared-vehicle owner makes a shared vehicle available for car sharing on the car-sharing program, the car-sharing program shall notify the shared-vehicle owner that, if the shared vehicle has a lien against it, the use of the shared vehicle through a car-sharing program, including use without physical damage coverage, may violate the terms of the contract with the lienholder.