The New Mexico Office of Superintendent of Insurance issues a consumer alert advising residents to exercise caution before participating in car-sharing programs. Superintendent John G. Franchini urges residents to ensure they have proper insurance coverage that specifically covers ride-sharing activities, as typical auto insurance policies may exclude this activity. Participants are advised to contact their insurance agent or company to avoid undue risk if an accident occurs for which they are not covered. The Superintendent states that residents interested in car-sharing should discuss potential legal exposure with their insurer first to avoid personal liability.