Insurance, Damage Fees, and Additional Terms
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.
The insurance described in this summary is provided by Apollo Underwriting Ltd except as described in the section titled “New York State Insurance Information”, below.
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. Unless stated otherwise in these terms, the liability, collision and comprehensive coverage maintained on behalf of renters is secondary to any other automotive insurance policy(ies) applicable to such renters (including, for the avoidance of doubt, such renters' personal automotive insurance policy), and any and all amounts paid by our insurance program shall be excess over all amounts paid by any other applicable automotive insurance policy(ies). An "accident" is defined as a sudden, unplanned, and unexpected event, not within the control of the insured, resulting in damage, injury, or loss that is neither expected nor intended.
Our insurance program provides coverage to renters and vehicles that meet our Eligibility Requirements. Owners must be able to document their insurable interest in the vehicle to trigger coverage under this section for damage incurred during a Getaround trip. Each claim submitted for reimbursement is subject to the Claim Administration Fee as further described in our Fee and Commission Schedule.
Renters are covered in our insurance policy up to $50,000 bodily injury liability per person, $100,000 bodily injury liability per accident, and $30,000 property damage liability per accident, or in accordance with the applicable state minimum limits,, 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 coverage is provided in states where such coverage is required by law, in accordance with the minimum limits established by such states. 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.
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.
Damage Fee and Protection Plan
In the event of any loss or damage to the car, or any personal property or bodily injury claim, or any roadside assistance expense 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 (the “Damage Fee”) of up to $3000. In the event a renter has violated Getaround's Terms of Service, the limits offered by the Damage Fee do not apply, and the renter may be held responsible for the full amount of any claim.
On a per-trip basis, eligible renters may purchase an optional Protection Plan that will reduce or eliminate the renter’s responsibility for the above-referenced Damage Fee in the event that physical damage, roadside assistance, or other loss occurs during the trip for which the Protection Plan was purchased. A Protection Plan is purchased on a per trip basis, applies only to the trip for which it was purchased, and is non-refundable. The Protection Plan options are shown in the Getaround app at the time of purchase. The Protection Plan, if purchased, is not a policy of insurance but waives the renter’s responsibility for the Damage Fee and the full amount of a claim for damage to the car, subject to the terms below.
Before purchasing a Protection Plan, renters should check their personal auto insurance or credit card policies to see if those policies offer coverage that would apply in the case of physical damage to the car. If a Protection Plan is purchased for a trip, a prorated portion of that Protection Plan will be charged for, and applied to, any extensions for that trip. If a Protection Plan has not been purchased for a trip, no Protection Plan may be applied to any extensions for that trip or otherwise applied retroactively to the trip.
The cost of the Protection Plan depends upon the duration of the trip or extension, the plan selected, the type and location of the car, driving experience, and similar factors. Protection Plans are not available for all renters, cars, or trips, and they may be purchased only in select states. Protection Plans are not insurance and are not mandatory. There is no obligation for renters to purchase a Protection Plan, or for Getaround to offer a Protection Plan. The purchase of a Protection Plan is optional and may be declined.
The reduction of responsibility offered by a Protection Plan will not apply if any of the following circumstances are present: (1) Damage or loss results from the renter’s (A) intentional, willful, wanton, or reckless conduct, (B) operation of the car under the influence of drugs or alcohol, (C) towing or pushing anything, or (D) operation of the car on an unpaved road if the damage or loss is a direct result of the road or driving conditions; (2) Damage or loss occurs while the car is (A) used for commercial hire (except if such use occurs during a Drive With Uber Trip or Drive With Uber Weekly Trip, as those terms are defined in our Terms of Service, (B) used in connection with conduct that could be properly charged as a felony, (C) involved in a speed test or contest or in driver training activity, (D) operated by a person other than the renter who reserved the car, or (E) operated outside the United States; (3) The renter has provided false or fraudulent information to Getaround, and Getaround would not have facilitated the rental period for the renter if it had instead received true information; (4) The renter has violated any terms of this Agreement; (5) The renter fails to close and lock all windows, doors and trunk, and the car is stolen, damaged, or vandalized; (6) The renter fails to notify Getaround immediately after an incident or loss; or (7) The renter fails to pay any other amount due under this Agreement.
For renters whose trips start in the state of Colorado, please read the following notice carefully:
NOTICE: THIS CONTRACT OFFERS, FOR AN ADDITIONAL CHARGE, A COLLISION DAMAGE WAIVER TO COVER YOUR RESPONSIBILITY FOR DAMAGE TO THE VEHICLE. YOU ARE ADVISED NOT TO SIGN THIS WAIVER IF YOU HAVE RENTAL VEHICLE COLLISION COVERAGE PROVIDED BY CERTAIN GOLD OR PLATINUM CREDIT CARDS OR COLLISION INSURANCE ON YOUR OWN VEHICLE. BEFORE DECIDING WHETHER TO PURCHASE THE COLLISION DAMAGE WAIVER, YOU MAY WISH TO DETERMINE WHETHER YOUR OWN VEHICLE INSURANCE AFFORDS YOU COVERAGE FOR DAMAGE TO THE RENTAL VEHICLE AND THE AMOUNT OF THE DEDUCTIBLE UNDER YOUR OWN INSURANCE COVERAGE. THE PURCHASE OF THIS COLLISION DAMAGE WAIVER IS NOT MANDATORY AND MAY BE WAIVED.
For renters whose trips start in the state of Illinois, please read the following notice carefully:
NOTICE: THIS CONTRACT OFFERS, FOR AN ADDITIONAL CHARGE, A COLLISION DAMAGE WAIVER TO COVER YOUR FINANCIAL RESPONSIBILITY FOR DAMAGE TO THE RENTAL VEHICLE. THE PURCHASE OF A COLLISION DAMAGE WAIVER IS OPTIONAL AND MAY BE DECLINED. YOU ARE ADVISED TO CAREFULLY CONSIDER WHETHER TO SIGN THIS WAIVER IF YOU HAVE RENTAL VEHICLE COLLISION COVERAGE PROVIDED BY YOUR CREDIT CARD OR COLLISION INSURANCE ON YOUR OWN VEHICLE. BEFORE DECIDING WHETHER TO PURCHASE THE COLLISION DAMAGE WAIVER, YOU MAY WISH TO DETERMINE WHETHER YOUR OWN VEHICLE INSURANCE AFFORDS YOU COVERAGE FOR DAMAGE TO THE RENTAL VEHICLE AND THE AMOUNT OF DEDUCTIBLE UNDER YOUR OWN INSURANCE COVERAGE.
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. Getaround reserves the right to deny a claim for damage to an area of the vehicle that is not visible in the vehicle's onboarding photos.
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 be driven 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.
Renters must report Incidents that occur during a Getaround rental to Getaround within 48 hours of the incident's occurrence. If an incident is not reported within 48 hours of its occurrence, the renter may forfeit the insurance coverage applicable to 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.
Loss of Use
Getaround will provide up to $25.00 per day, up to a maximum of 30 days, where repairs are pre-approved by Getaround and performed by a Getaround-approved repair vendor. The amount of compensation for each such repair is based on the final invoiced work hours for the repair completed by a Getaround-approved vendor, beginning on the 15th day of the car’s deactivation from service and ending, at the latest, on the 45th day of deactivation. A payment for Loss of Use is the sole source of compensation for such loss of use, including but not limited to parking fees, Getaround Connect fees, and any ridesharing services used or Getaround cars booked while your car is deactivated. If any of the aforementioned items are compensated on an individual basis, they shall be deducted from the Loss of Use payment. For clarity, Loss of Use payments are available only where repairs are pre-approved by Getaround and performed by a Getaround-approved repair vendor. Loss of Use payments are not available where repairs are not pre-approved by Getaround or performed by a Getaround-approved repair vendor. Nor are such payments available as compensation for non-repair-related situations such as general connectivity issues, parking disputes or difficulties, late or improper returns, cleaning or refueling needs, lost keys, and/or towing or impound situations.
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.
Diminished Value / Diminution In Value
A claim for diminished value (also known as claim for diminution in value) is based upon any actual or perceived reduction in the fair market value / resale value of a vehicle attributable to an accident. Similar to personal insurance policies, our insurance program does not provide coverage for claims based on diminished value resulting from losses occurring during trips on Getaround, regardless of any determination of fault for the underlying loss. By enrolling vehicles in the Service, Owners expressly waive any right to assert diminished value claims against Getaround, except where such waiver is explicitly prohibited by applicable law.
Repairs to vehicles with model years at least as new as the current calendar year, or with total mileage of less than 12,000 miles, must use reconditioned, remanufactured, or aftermarket parts of like kind and quality to the part being replaced (“LKQ Parts”). OEM replacement parts may be approved only if LKQ Parts do not exist for the part requiring replacement. Non-OEM sheet metal may not be utilized in the repair of vehicles with model years at least as new as the current calendar year or with total mileage lower than 12,000 miles.
Repairs to vehicles with model years one year removed from the current calendar year, or with total mileage of 12,000 to 24,000 miles, must use LKQ Parts. OEM replacement parts may be approved only if LKQ Parts do not exist for the part requiring replacement, and only if valid documentation has been provided that addresses the lack of availability of LKQ Parts. Non-OEM sheet metal may be utilized in the repair of vehicles with model years one year removed from the current calendar year or with total mileage of 12,000 to 24,000 miles.
Repairs to vehicles with model years at least two years removed from the current calendar year, or with total mileage of at least 24,001 miles, must use LKQ Parts. OEM replacement parts may be approved only if LKQ Parts do not exist for the part requiring replacement, and only if valid documentation has been provided that addresses the lack of availability of LKQ Parts. Non-OEM sheet metal may be utilized in the repair of vehicles with model years at least two years removed from the current calendar year or with total mileage of at least 24,000 miles.
Getaround applies the concept of betterment to all vehicle parts and components requiring repair and/or replacement resulting from a covered loss, in the event that such parts and components have pre-existing excessive wear and/or prior damage to an adjacent area. All coverage and payments made by Getaround under this summary shall take into account any pre-existing damage and/or wear and tear associated with the vehicle in question. In event of a total loss, any payment issued in connection with such loss shall be reduced by any and all amounts previously paid to repair the vehicle subject to the total loss.
Getaround will pay reasonable storage fees for vehicles located in body shops and tow yards as a result of a covered claim arising out of a Getaround trip, provided that Owners shall use best efforts to mitigate the cost of such storage fees by retrieving their vehicles as soon as possible. Owners may be required to fill out documents or go to physical locations to have their vehicles released. If any vehicle release or retrieval fees are paid by the Owner in connection with a covered claim, and Getaround (in its sole discretion) determines that any portion of such fees is unreasonable and/or attributable to the Owner's unreasonable delay in retrieving the vehicle, Getaround may decline to reimburse such Owner for the applicable portion of such fees.
Getaround will only consider market labor rates for repairs associated with the home location of the vehicle requiring repair.
Proof of Repairs
Getaround prioritizes the safety of the vehicles on our platform. As a condition subsequent to the payment for repairs performed pursuant to this summary, all such payments shall be applied exclusively towards the repair in question. Getaround reserves the right to request proof of such repair. Failure to provide the applicable documentation will affect future claims (if any), as well as the continued availability of the applicable vehicle on the Getaround platform.
Getaround will not cover the failure of any sound producing equipment, such as (but not limited to) subwoofers, CD Players, MP3 players, audio speakers (aftermarket and OEM equipment), and infotainment touchscreens, unless such failure is accompanied by physical damage to the component that is not consistent with wear and tear and which can be reasonably considered the cause of such failure..
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 while the vehicle is being rented as part of the Getaround program.
New York State Insurance Information
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 minimum liability coverage of $50,000 per person and $100,000 per accident, including property damage, or higher limits as may be required by applicable law. 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.
Injuries and Property Damage
New York Policies must provide coverage of up to $50,000 per person for bodily injuries, and up to $100,000 per person if such injuries result in death.
No-Fault Personal Injury Protection Coverage and Benefits
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.
Damage and Claims
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.
Policy Modifications, Cancellations, and Nonrenewals
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.
Additional Terms and Exclusions
If you have specific questions regarding the statement of insurance including terms, limitations, and exclusions, please contact us here.
If, after review, Getaround determines that payment is warranted for a claim that is covered as outlined in this summary, Owners are required to (a) execute all documents reasonably required to facilitate such payment and the resolution of the claim, and (b) cooperate with Getaround to assist in facilitating a recovery of such payment from third parties, including the applicable Renter. Owners who receive payments for claims submitted in accordance with this insurance summary expressly waive any right to recover any other payments for the same claim from any third party, including the applicable Renter. Upon such payment, Owners hereby assign any such right of recovery to Getaround or its designated assignee(s). At no time may Owners undertake any action, including executing a release with the applicable Renter, that could affect Getaround’s rights with respect to any claim submitted to Getaround.
Waiver of Conflict
If a claim is made, or lawsuit filed, by any party against an Owner and/or Renter, and Getaround determines that the underlying loss is a covered claim as outlined in this summary, the Owner and/or Renter shall be assigned counsel at the direction of Getaround. If the Owner and/or Renter fail to cooperate with counsel and/or refuse to accept the counsel chosen by Getaround, any coverage otherwise available in accordance with this summary may be waived. Additionally, Owner and Renter consent to being represented by the same counsel if, in counsel’s professional opinion, there is no conflict of interest in representing both parties.
Claims Asserted by Getaround
Getaround's master insurance policy does not provide a defense or indemnification for any claim that may be asserted by Getaround against Owners or Renters. Getaround reserves the right to seek indemnification from Owners or Renters for any losses sustained by Getaround that have been caused by a breach of Getaround's Terms of Service.
Renters acknowledge and agree that Getaround has the right (but not the obligation) to subrogate against such renters and/or their personal automotive liability insurance policies, jointly and severally, in connection with any damage or loss occurring during trips taken by such renters.