New York Laws
Article 40 - Peer-to-Peer Car Sharing Programs
902 - Program Liability.

(a) shall not be deemed to be physical damage insurance;
(b) that the terms of such contractual assumption may provide that the
program assumes the risk of physical damage loss to the vehicle in
excess of a sum certain; and
(c) if the terms of such contractual assumption include a separately
itemized fee charged to the shared vehicle driver solely for the
contractual assumption of the risk of loss due to physical damage, then
it shall be provided under the terms set forth in this article.
6. To the extent not otherwise prohibited by state or federal law, in
a claims coverage investigation, a peer-to-peer car sharing program
administrator shall cooperate to facilitate the exchange of relevant
information with directly involved parties and any insurer of a shared
vehicle owner's or shared vehicle driver's participation in a
peer-to-peer car sharing program.
7. In addition to other remedies available at law, the attorney
general shall have authority to enforce this article as authorized by
law, including injunctive and other legal and equitable relief for
non-compliance by a car sharing program administrator or any other party
through civil proceedings.
8. Any provision in a peer-to-peer car sharing agreement designated by
the courts of another jurisdiction as the exclusive forum for resolving
disputes shall be deemed void as against public policy with respect to
the use of a peer-to-peer car sharing program or shared vehicle in this
state.
9. A peer-to-peer car sharing program administrator shall be deemed to
have received notice of injuries to or death of persons or losses of
property covered under the insurance and financial security requirements
of this article at the earlier of notice received by the peer-to-peer
car sharing program administrator or notice received by the shared
vehicle owner. A shared vehicle owner shall promptly give actual notice
to the peer-to-peer car sharing program administrator and its insurers,
including notice in the form and manner as required in the peer-to-peer
car sharing agreement, of any injuries to or death of persons or losses
of property potentially covered by insurance maintained by the
peer-to-peer car sharing program administrator. A peer-to-peer car
sharing program administrator or its insurers shall be deemed to have
received actual notice when a shared vehicle owner notifies the
peer-to-peer car sharing program administrator or its insurers when the
shared vehicle owner provided notice in the form and manner required in
the peer-to-peer car sharing agreement.
10. For purposes of article fifty-one of the insurance law, 11 NYCRR
Part 65 and general liability claims, notice to the shared vehicle
owner, shared vehicle driver, peer-to-peer car sharing program
administrator or any insurer of the shared vehicle owner, shared vehicle
driver, or peer-to-peer car sharing program administrator of any claim
shall be deemed notice to all appropriate parties and insurers. Any
shared vehicle owner, shared vehicle driver, peer-to-peer car sharing
program administrator or any insurer of the shared vehicle owner, shared
vehicle driver, or peer-to-peer car sharing program administrator
receiving such notice shall provide such notice to all appropriate
parties.