The kind of carsharing I use is company-run, so it's basically just rental, but billed by the minute and with parking spots scattered all over the city. I imagi

The kind of carsharing I use is company-run, so it's basically just rental, but billed by the minute and with parking spots scattered all over the city. I imagine they have a very expensive fleet insurance in the background. There are also a handful of "peer-peer" carsharing systems where you let other people use your car and I have no idea how insurance would work there.