Personal vehicle sharing means the use of private passenger motor vehicles by persons other than the owner, in connection with a personal vehicle sharing program (Insurance Code §11580.24). The program is a legal entity qualified to do business in California that facilitates sharing for noncommercial use. It differs from a TNC: in vehicle sharing someone else drives the owner's car, while in TNC work the owner drives paying passengers.

What the CDI outline says the program must do: provide coverage for the vehicle during all times it is engaged in personal vehicle sharing, as long as: - the owner's annual revenue from sharing the vehicle does not exceed the annual expenses of owning it (there is no fixed dollar cap), and - the vehicle is not used for commercial purposes, including ridesharing (TNC). The owner's insurer consenting to the sharing is not one of the conditions.

Amount of coverage (outline): the program shall provide insurance for the vehicle and its operator equal to or greater than the coverage the owner maintains and reports to the program. The measure is the owner's reported coverage, not the state minimum.

Current law differs: under §11580.24 as amended effective January 1, 2025, the revenue-versus-expense and noncommercial tests are conditions for the vehicle not being classified as a commercial vehicle, and the program assumes the owner's liability and defends and indemnifies the owner. For the exam, follow the outline.