Ohio Code 4516.11 – Liability for claims
(A) In addition to any liability assumed when a peer-to-peer car sharing program is providing all of the required coverage, the program shall assume liability for a claim when all of the following apply:
Terms Used In Ohio Code 4516.11
- Peer-to-peer car sharing: means the authorized use of a motor vehicle by an individual other than the motor vehicle's owner through a peer-to-peer car sharing program. See Ohio Code 4516.01
- Person: includes an individual, corporation, business trust, estate, trust, partnership, and association. See Ohio Code 1.59
- program: means a person who operates a business platform that connects a shared vehicle owner to a shared vehicle driver to enable the sharing of vehicles for financial consideration. See Ohio Code 4516.01
- Property: means real and personal property. See Ohio Code 1.59
- Shared vehicle: means a personal motor vehicle that is registered as a passenger car under Chapter 4503 of the Revised Code or a substantially similar law in another state and that is enrolled in a peer-to-peer car sharing program. See Ohio Code 4516.01
- Shared vehicle owner: means a registered owner of a shared vehicle or a person designated by the registered owner. See Ohio Code 4516.01
(1) The program is providing at least part of the required insurance coverage;
(2) A dispute exists as to who was operating the shared vehicle at the time of the loss;
(3) The program either does not have available or cannot promptly produce the records required by section 4516.02 of the Revised Code.
(B) A peer-to-peer car sharing program may seek indemnity from a shared vehicle owner if the shared vehicle owner is determined to have been the operator of the shared vehicle at the time of the loss.
(C) In addition to any other insurance coverage required by this chapter, a peer-to-peer car sharing program shall maintain insurance in an amount of at least one million dollars that provides coverage for the program’s liability for an act or omission of the program that is the proximate cause of death, bodily injury, or property damage to any person in any one accident because of the operation of a shared vehicle through the program.