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Car sharing services like Zipcar<\/a> and U Car Share<\/a> have grown in popularity, as more city dwellers eschew car ownership, preferring to rent a vehicle when they need one. This seems to be an innovative, cost-effective and sensible way to solve personal transportation needs for many Americans.<\/p>\n We have followed this trend for several years, providing insurance advice about using a car share service<\/a>, and cautioning our clients<\/a>\u00a0to protect themselves first. After all, when you’re sharing a vehicle, you could potentially be sharing something much more important: liability.<\/p>\n The car sharing idea has evolved even further. Now, private vehicle owners can offer their vehicles for rent through peer-to-peer car sharing services like RelayRides<\/a>. It’s sort of like Zipcar in reverse: you can rent your idle vehicle to someone who needs it temporarily. Realizing that insurance companies would not approve of (or cover) this kind of use, RelayRides offers a $1 million liability policy. That’s more liability coverage than most people have on their own personal auto policies.\u00a0But believe it or not, it may not be enough.<\/p>\n