HRS §431:10C-803
When car insurance can exclude coverage for shared cars
This section lets car insurance companies exclude coverage for a car owner's vehicle during the time it is being shared through a car-sharing program. It also says that other exclusions for rented or shared vehicles are allowed unless state law requires otherwise.
The statute, as written — Exclusions in motor vehicle insurance policies
(a) Notwithstanding section 431:10C-802, an authorized insurer that writes motor vehicle insurance in the State may exclude any and all coverage and the duty to defend or indemnify any claim afforded under a shared car owner's motor vehicle insurance policy during the car-sharing period, including: (1) Liability coverage for bodily injury and property damage; (2) Personal injury protection coverage as set forth in section 431:10C-304; (3) Uninsured and underinsured motorist coverage; (4) Medical payments coverage; (5) Comprehensive physical damage coverage; and (6) Collision physical damage coverage. ( b) Except as required under section 431:10C-802, nothing in this part shall invalidate or limit an exclusion contained in a motor vehicle insurance policy, including any insurance policy in use or approved for use that excludes coverage for motor vehicles made available for rent, sharing, or hire.
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