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.
Our insurance program 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, 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.
Comprehensive and Collision Coverage
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.
Uninsured and Underinsured (UI/UM) Coverage
UI/UM limits of $30,000 per person and $60,000 per accident are provided in California, Oregon, Texas and Virginia. UI/UM limits of $25,000 per person and $50,000 per accident apply in Illinois. In Texas, UM/PD limits of $25,000 are provided. In Virginia and Oregon, UM/PD limits are $20,000. 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, 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.
Medical Payments Coverage
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 $750. 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:
Wear and Tear
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.
No Permissive Drivers
We provide insurance for our members only. As per Getaround's Terms of Service, Getaround cars may only to be operated by the renter of the car.
Personal Usage Only
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.
Owner's Personal Auto Policy
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.
Additional Terms and Exclusions
If you have specific questions regarding the statement of insurance including terms, limitations, and exclusions, please contact us.