DISCLAIMER: This is an unofficial summary of Getaround, Inc's master insurance policy and may not always be up to date. None of the statements below should be interpreted as binding and are provided for quick reference.
For owners listing their cars in the state of New York, please see the section titled New York State Insurance Information, below.
Our insurance program provides auto insurance to cover renters and vehicles that meet our Eligibility Requirements. Coverage applies for the duration of each rental, from start to finish, and includes liability, collision and comprehensive (e.g., fire, auto theft, vandalism) coverage. The liability, collision and comprehensive coverage provided is complies fully with both California Bill AB-1871 and Oregon Bill HB-3149 on personal vehicle sharing. The wear and tear coverage is provided by Getaround, Inc.
Renters are covered in our insurance policy up to the liability limits carried by the vehicle owner or with a combined single limit of three times the state minimum, whichever is greater. Car owners are covered up to a combined single limit of $1,000,000 for liability. 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.
The comprehensive and collision coverage provided protects 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.
UI/UM limits of $100,000 per person and $300,000 per accident are provided in states where such coverage is required by law. In addition, or in certain states in lieu of UI/UM coverage, personal injury protection and/or medical payment coverage is provided up to the limits required by state law.
As mandated by law, PIP coverage is provided in both Oregon and Texas. In Oregon, 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. In Texas, PIP coverage is $2,500.
Coverage for medical payments arising from a car accident up to a maximum limit of $1,000 is included. This is a supplement to personal health insurance only and it is recommended that all renters maintain adequate personal health insurance coverage.
In the event of any loss or damage to the car, or any personal property or bodily injury claim, that occurs during the rental period due to any cause regardless of fault, including, but not limited to, collision, rollover, theft, vandalism, seizure, fire, flood, hail or other acts of nature or God, the renter is held responsible, and is required to pay Getaround a fee of $1000. For Exotic and Classic cars, a fee of $2500 applies. In the event a renter has violated Getaround's Terms of Service, the fee does not apply, and the renter may be held responsible for the full amount of the claim.
Getaround is a peer-to-peer car rental marketplace. The insurance coverage provided is similar to a personal auto policy, however, this policy has some unique exclusions specific to our model:
Coverage is provided to owners for excessive wear and tear to their car by a renter. We do not insure for normal wear and tear. The car owner is responsible for normal car upkeep as all cars experience reasonable wear and tear with usage. In the event of excessive wear or damage caused by abuse or neglect, the renter is subject to penalties up to the limits of the insurance deductible outlined above. For more information, see our wear and tear guidelines. These are guidelines only and all claims are assessed on a case-by-case basis.
Personal belongings left in the car are not insured. These include tapes, records, discs or other similar audio, visual or data electronic devices, or any speed measuring equipment within the vehicle. It is the responsibility of the owner and renter to ensure they remove any personal belongings from the car before and after each rental.
We provide insurance for our members only. As per Getaround's Terms of Service, Getaround cars may only be driven by the renter of the car.
Insurance coverage applies to cars rented for personal use only. Cars rented for commercial purposes, organized racing, or stunting activity are not covered.
Incidents that occur during a Getaround rental must be reported to Getaround Inc. within 48 hours of the end of the member's trip. If a claim is not reported within 48 hours of the event occurring, you may forfeit Getaround Inc. insurance coverage during the trip and be solely responsible for the full cost of repairs and any loss or liability arising from the incident.
If a renter damages a tire during a Getaround trip, Getaround will cover repair or replacement costs for the damaged tire only. The amount of coverage will be prorated according to the amount of tread depth on the tire when the damage occurred. For this purpose, completely new tires have a tread depth of 10/32” or more, and completely used tires have a tread depth of 2/32” or less. Any tire repairs or replacements requested by Owners must include photos of the damage and tread depth measurements for the damaged tire. Getaround will only cover costs for the damaged tire, regardless of any manufacturer, dealer, or mechanic’s recommendations to the contrary.
Aftermarket Wheels (defined as wheels other than those installed as factory equipment or manufactured by the car’s manufacturer as original or optional equipment for the vehicle) are installed at the Owner’s own risk. If an aftermarket wheel incurs damage during a Getaround trip that exceeds wear and tear, Getaround will only cover the repair or replacement costs of the original wheel installed as factory equipment or manufactured as original or optional equipment. Getaround will not cover any additional intrinsic or incidental costs associated with aftermarket wheels, including without limitation costs concerning aftermarket paints, finishes, design, construction, or unavailability of the aftermarket wheel that has been damaged.
Curb Rash is defined as cosmetic scratches to the outer face of a wheel, most commonly caused by the wheel coming into contact with a curb. Curb Rash that occurs during a Getaround trip is considered wear and tear and is not covered by Getaround, regardless of the length of the scratches. Non-cosmetic wheel damage that affects the vehicle’s ability to be operated in a safe manner, such as cracks or bends in the wheel, shall be assessed on a case-by-case basis.
If your vehicle is removed from service for repairs due to damage incurred during an active Getaround rental, Getaround will provide up to $25.00 per day, up to a maximum of 30 days, for each day that Getaround has temporarily deactivated the vehicle due to damage. A payment for Loss of Use is the sole source of compensation for such loss of use, including but not limited to lost earnings, parking fees, Getaround Connect™ fees, and any ridesharing services used or Getaround cars booked while your car is unavailable. If any of the aforementioned items are compensated on an individual basis, they shall be deducted from the Loss of Use payment.
Getaround, at its sole discretion, may utilize a repair vendor to complete a diagnosis on claims involving mechanical breakdown related to engines, transmissions, drivelines, brakes, or suspension. This diagnosis is not a guarantee of coverage; Getaround does not cover mechanical breakdowns related to deferred maintenance, manufacturer defects, wear and tear, or vehicle age or mileage.
By signing up with Getaround, Owners understand and acknowledge that their own personal auto insurance policy may not provide coverage for the owner or the owner's vehicle while the vehicle is being rented as part of the Getaround program. Coverage under Getaround's insurance program shall be primary to an Owner's personal auto insurance policy while the vehicle is being rented as part of the Getaround program.
Note: This information is provided for explanatory purposes only, is not an agreement or promise, and is not legal advice. For specific questions about your insurance policy, please contact your insurance provider. Capitalized terms used have the meanings given in our Terms of Service unless expressly defined herein. Topics not addressed in this section are discussed in our Terms of Service. If there is a conflict between this section and our general Insurance Policy summary, the language in this section shall take precedence with respect to the use of the Services by Owners and Renters in New York State.
Unlike others states in which the Services are available, in the state of New York, auto insurance liability coverage for Renters and Owners is provided exclusively by commercial insurance policies (“New York Policies”) purchased and maintained directly by Owners (“New York Owners”), and not by Getaround. New York Policies are required for cars that are registered or primarily located or used in the state of New York, and they are the primary insurance policies applicable to the Services in the state of New York. Liability insurance coverage provided by Getaround in other states in which the Services are available does not apply to the Services in the state of New York.
New York Policies must comply with the applicable provisions of New York law, including N.Y. Ins. Law Sections 3420 and 5101 et seq., N.Y. Veh. & Traff. Law Section 311, and 11 CRR-NY 60-1.1, the requirements of which are summarized, in part, below.
If you are an Owner and your vehicle is either registered or primarily located or used in the state of New York, you must purchase and maintain a New York Policy for your vehicle that provides liability coverage of $1,000,000 combined single limit. Getaround, Inc. must be listed as an additional named insured on your policy, and you must ensure that coverage is active and uninterrupted for the duration of your vehicle’s listing on Getaround.
New York Policies must provide coverage even if the driver of the car was negligent, so long as the driver was insured under the policy at the time of the accident. For the avoidance of doubt, Renters using the Services in New York are insured drivers under the New York Policies, provided that the Services are being used in accordance with Getaround’s Terms of Service.
New York Policies must provide coverage of up to $25,000 per person for bodily injuries, and up to $50,000 per person if such injuries result in death. These limits are increased to $50,000 for two or more persons for bodily injuries, and $100,000 for two or more persons if such injuries result in death. Property damage is subject to a coverage limit of $10,000 per accident.
New York Policies must include $50,000 of aggregate no-fault benefits coverage, including up to $2,000 per month in lost earnings (lasting up to 3 years from the date of the accident), a $2,000 death benefit, and $25 per day in other expenses.
If you are an Owner and you become aware of an event occurring during a Rental of your car on Getaround that may result in a claim, you must notify Getaround promptly after becoming aware of the event. You must also submit a claim to your insurance company, as specified in your commercial insurance policy.
In the event that a Rental of your vehicle on Getaround results in a claim covered by your commercial insurance policy, Getaround may in its sole discretion provide up to $1,000 towards your commercial insurance policy's deductible. If your policy has a deductible greater than $1,000, you are liable for the difference between the amount of your deductible and any reimbursement provided by Getaround.
If you are an Owner who has purchased a New York Policy, you must promptly pay all insurance premiums as required by your insurance policy. If your policy is modified, cancelled, or not renewed either by you or your insurance company, for any reason whatsoever (including, without limitation, non-payment of your insurance premiums), or if you intend to modify, cancel, or not renew your policy, you must notify Getaround immediately upon receiving notice of your change in insurance coverage, or your intent to modify, cancel, or not renew your policy. You agree to indemnify Getaround from any and all claims or damages that result from your failure to promptly pay all insurance premiums when due, or to notify Getaround of any changes to your commercial insurance policy, including without limitation cancelling or deciding to modify, cancel, or not renew your policy.
If you have specific questions regarding the statement of insurance including terms, limitations, and exclusions, please contact us here.