HRS §431:10C-806
Peer-to-Peer Car-Sharing: Insurance Interest
This section says a car-sharing program can have an insurance interest in a shared car during the sharing period. It may also buy its own insurance to cover liabilities it takes on, the owner's liability, or damage to the car. This is in addition to required insurance.
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The statute, as written — Insurable interest
(a) Notwithstanding any law to the contrary, a peer-to-peer car-sharing program shall have an insurable interest in a shared car during the car-sharing period. (b) In addition to the insurance coverage mandated by section 431:10C-802, a peer-to-peer car-sharing program may own and maintain as the named insured one or more policies of motor vehicle insurance that provides coverage for: (1) Liabilities assumed by the peer-to-peer car-sharing program under a car-sharing program agreement; (2) Any liability of the shared car owner; or (3) Damage or loss to the shared car or any liability of the shared car driver.
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