Section 10-6A-04 - Authority conferred(a) A limited lines license to sell insurance in connection with, and incidental to, the peer-to-peer car sharing program agreement issued under this subtitle authorizes the peer-to-peer car sharing program to offer or sell, in connection with, and incidental to, a peer-to-peer car sharing program agreement, the insurance products specified in subsection (b) of this section if: (1) the policies have been filed with and approved by the Commissioner as compliant with § 19-520(d) of this article;(2) the peer-to-peer car sharing program holds an appointment with each authorized insurer, under § 10-118 of this title, that the peer-to-peer car sharing program intends to represent;(3) prior to completion of the peer-to-peer car sharing transaction, an employee or authorized representative of the peer-to-peer car sharing program provides to the shared vehicle driver disclosures approved by the Commissioner that: (i) summarize, clearly and correctly, the material terms of coverage, including limitations or exclusions;(ii) identify the authorized insurer or insurers;(iii) specify that the policies offered by the peer-to-peer car sharing program may provide a duplication of coverage already provided by a shared vehicle driver's personal automobile insurance policy, homeowner's insurance policy, personal liability insurance policy, or other source of coverage;(iv) specify that the purchase of the coverage offered by the peer-to-peer car sharing program is not required in order for the shared vehicle driver to participate in the peer-to-peer car share;(v) describe the process by which the shared vehicle driver can file a claim; and(vi) specify that any excess liability coverage purchased by the shared vehicle driver may duplicate coverage required to be provided under § 18.5-102 of the Transportation Article;(4) the peer-to-peer car sharing program provides a training program, approved by the Commissioner, for each employee or authorized representative who sells, solicits, or negotiates insurance coverage under this subtitle that includes:(i) instruction about the kinds of insurance specified in subsection (b) of this section that can be offered to shared vehicle drivers;(ii) instruction that the employee or authorized representative is required to inform a shared vehicle driver that the purchase of any insurance from the peer-to-peer car sharing program is not required in order for the shared vehicle driver to participate in the peer-to-peer car share; and(iii) instruction that the employee or authorized representative is required to inform a shared vehicle driver that the shared vehicle driver may have insurance policies that already provide the coverage being offered by the peer-to-peer car sharing program; and(5) an employee or authorized representative who offers or sells insurance coverage on behalf of the peer-to-peer car sharing program informs a shared vehicle driver that the policies offered by the peer-to-peer car sharing program may duplicate coverage already provided by the shared vehicle driver's personal automobile insurance policy, homeowner's insurance policy, personal liability insurance policy, or other source of coverage.(b) A limited lines license to sell insurance in connection with, and incidental to, a peer-to-peer car sharing program agreement issued under this subtitle authorizes the peer-to-peer car sharing program to offer or sell insurance policies under this subtitle that are:(1) in the amount of, in excess of, or optional to the coverages required to be provided under § 19-520(d)(1) of this article; and(2) one of the following kinds of insurance:(i) bodily injury liability;(ii) property damage liability;(iii) uninsured motorist insurance; or(iv) if approved by the Commissioner, any other insurance coverage that is appropriate in connection with a peer-to-peer car sharing program agreement.Added by 2018 Md. Laws, Ch. 852,Sec. 1, eff. 7/1/2018.