Mo. Rev. Stat. § 379.1945: Insurable interest in shared vehicle.

1. Notwithstanding any other law, statute, rule, or regulation to the contrary, a peer-to-peer car-sharing program shall have an insurable interest in a shared vehicle during the car-sharing period.

2. Nothing in this section creates liability on a peer-to-peer car-sharing program to maintain the coverage mandated by section 379.1915.

3. A peer-to-peer car-sharing program may own and maintain as the named insured one or more policies of motor vehicle liability insurance that provides coverage for:

(1) Liabilities assumed by the peer-to-peer car-sharing program under a peer-to-peer car-sharing program agreement;

(2) Any liability of the shared vehicle owner;

(3) Damage or loss to the shared vehicle; or

(4) Any liability of the shared vehicle driver.