Ohio Revised Code Title XLV. Motor Vehicles Aeronautics Watercraft § 4516.11

(A) In addition to any liability assumed when a peer-to-peer car sharing program is providing all of the required coverage, the program shall assume liability for a claim when all of the following apply:

(B) A peer-to-peer car sharing program may seek indemnity from a shared vehicle owner if the shared vehicle owner is determined to have been the operator of the shared vehicle at the time of the loss.

(C) In addition to any other insurance coverage required by this chapter, a peer-to-peer car sharing program shall maintain insurance in an amount of at least one million dollars that provides coverage for the program's liability for an act or omission of the program that is the proximate cause of death, bodily injury, or property damage to any person in any one accident because of the operation of a shared vehicle through the program.