Getaround, Inc. ("we" or "Getaround") provides auto insurance to cover renters and vehicles that meet our membership eligibility requirements. Coverage applies for the duration of each rental, from start to finish, and includes liability, collision and comprehensive (e.g., fire, theft, vandalism) coverage. The liability, collision and comprehensive coverage we provide is primary for both owners and renters (i.e., it supersedes and replaces any and all personal auto insurances policies of both owners and renters throughout the rental period), and complies fully with both California Bill AB-1871 and Oregon Bill HB-3149 on personal vehicle sharing.
We provide limits equal to those maintained by the car owner in their personal auto insurance policy up to a maximum limit of $1,000,000. In the event the car owner has basic or no insurance coverage, Getaround will provide coverage with a combined single limit of three times the state minimum. Car owners who live in either California or Oregon and carry a liability limit in excess of $1,000,000 are not eligible for Getaround at this time. Coverage includes personal liability for the renter, third-party liability for passengers and other affected parties, and third-party property damage arising from a car accident.
Comprehensive and Collision Coverage
We provide comprehensive and collision coverage to protect the owner's vehicle in the event of an accident. This covers for theft, fire, vandalism, weather damage, and any damage to the vehicle in the event of an accident up to the actual cash value of the vehicle.
Uninsured and Underinsured (UI/UM) Coverage
We provide UI/UM limits of $30,000 per person and $60,000 per accident. Car owners who live in either California and Oregon and carry UI/UM limits in excess of these amounts are not eligible for Getaround at this time. Getaround's UI/UM coverage does not apply to states with no-fault insurance.
Personal Injury Protection (PIP)
As mandated by law, we provide PIP coverage in both Oregon and Texas. Our PIP coverage includes $15,000 in Medical and Hospital expenses, $3,000 per month in Income Continuation expenses, $30 per day in Loss of Service expenses, $5,000 in Funeral expenses, and $25 per day (up to a maximum of $750) in Child Care expenses.
Medical Payments Coverage
We provide coverage for medical payments arising from a car accident up to a maximum limit of $1,000. We provide this as a supplement to personal health insurance only and recommend that all renters maintain adequate personal health insurance coverage.