I first posted about insurance risks in car-sharing programs back in 2011. Car-sharing programs allow car owners to rent their own cars out to others. They differ from Uber (which was in its infancy in 2011) and Lyft (which did not exist then) in that the vehicle owners do not drive passengers themselves — they hand their cars over to others. Some of the obvious insurance issues include whether or not the owners have adequate insurance, whether or not the renters have adequate insurance, and whether or not passengers have adequate insurance.
It is always a thrill to find like-minded people. Here’s a link to a website called CareShareProtect, which is dedicated to educating people about insurance issues in car-share programs. It will tell you state by state, by type of program, where there might by an insurance gap.