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 liability insurance described in this summary is provided by Assurant except as described in the section titled “New York State Insurance Information”, below.
For Hosts listing their cars in the state of New York, please see the section titled New York State Insurance Information, below.
Getaround's insurance policy does not cover incidents that take place when vehicles listed on the platform are not in an active trip.
Our insurance program provides auto insurance to cover Guests and vehicles that meet our Eligibility Requirements. Coverage applies for the duration of each Reservation, 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 Guests is secondary to any other automotive insurance policy(ies) applicable to such Guests (including, for the avoidance of doubt, such Guests' 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 Guests and vehicles that meet our Eligibility Requirements. Hosts must be able to document their insurable interest in the vehicle to trigger coverage under this section for damage incurred during a Reservation. Each claim submitted for reimbursement is subject to the Claim Administration Fee as further described in our Fee and Commission Schedule.
Guests 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. Hosts are covered up to a combined single limit of $1,000,000 for liability. Coverage includes personal liability for the Guest, 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 Host'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 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.
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 Guests 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, or any roadside assistance expense that occurs during the Reservation 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 Guest is held responsible, and is required to pay Getaround a fee (the “Damage Fee”) of up to $3000. In the event a Guest has violated Getaround's Terms of Service, the limits offered by the Damage Fee do not apply, and the Guest may be held responsible for the full amount of any claim.
On a per-trip basis, eligible Guests may purchase an optional Protection Plan that will reduce or eliminate the Guest'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 Guest'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, Guests 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 Guests, 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 Guests 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 Guest'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 Guest who reserved the car, or (E) operated outside the United States; (3) The Guest has provided false or fraudulent information to Getaround, and Getaround would not have facilitated the Reservation period for the Guest if it had instead received true information; (4) The Guest has violated any terms of this Agreement; (5) The Guest fails to close and lock all windows, doors and trunk, and the car is stolen, damaged, or vandalized; (6) The Guest fails to notify Getaround immediately after an incident or loss; or (7) The Guest fails to pay any other amount due under this Agreement.
For Guests 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 Guests 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.
For Guests whose trips start in the state of Texas, please read the following notice carefully:
NOTICE: YOUR RENTAL AGREEMENT OFFERS, FOR AN ADDITIONAL CHARGE, AN OPTIONAL WAIVER TO COVER ALL OR A PART OF YOUR RESPONSIBILITY FOR DAMAGE TO OR LOSS OF THE VEHICLE. BEFORE DECIDING WHETHER TO PURCHASE THE WAIVER, YOU MAY WISH TO DETERMINE WHETHER YOUR OWN AUTOMOBILE INSURANCE OR CREDIT CARD AGREEMENT PROVIDES YOU COVERAGE FOR RENTAL VEHICLE DAMAGE OR LOSS AND DETERMINE THE AMOUNT OF THE DEDUCTIBLE UNDER YOUR OWN INSURANCE COVERAGE. THE PURCHASE OF THE WAIVER IS NOT MANDATORY. THE WAIVER IS NOT INSURANCE.
For Guests whose trips start in the state of Wisconsin, please read the following notice carefully:
NOTICE ABOUT LIABILITY FOR DAMAGE TO THE RENTAL CAR
The State of Wisconsin requires us to provide the following information about your liability for damage to a rental car and the purchase of a damage waiver.
LIABILITY FOR DAMAGE TO THE RENTAL CAR
The rental agreement makes you and any authorized driver liable for any damage to the rental car caused by an accident, or by intentional, reckless or wanton misconduct, or by theft that you may have intentionally caused. Total liability for any damage is limited to:
1) reasonable repair costs, less discounts available to us, or the fair market value of the car, whichever is less, and
2) actual and reasonable towing costs, and for storage costs during the period before you notify the rental company of the damage to the vehicle or for 14 days after the damage occurs, whichever period is shorter.
LIABILITY FOR DAMAGE AFTER THE RENTAL CAR HAS BEEN STOLEN
If a person who drives the rental car without your authorization causes damage to the car, you may be liable for the damage as though you or an authorized person was driving the car unless you do all of the following:
1) Refrain from leaving the ignition key in the car when you are not in the car.
2) Always keep the ignition key in your possession.
3) Immediately report to the local police if you learn the car has been stolen, or that an unauthorized person is driving the car.
4) Cooperate fully with the local police by providing any information you know that may be helpful.
INSURANCE OR CREDIT CARD COVERAGE
Liability for any damage may be covered by your personal insurance policy or credit card agreement. Check your insurance policy or credit card agreement about coverage.
DAMAGE WAIVER COVERAGE
A damage waiver is not insurance coverage. If you purchase a damage waiver for $ per day, we will waive our right to hold you or any authorized driver liable for damage. Even if you buy a damage waiver, you and any authorized driver will remain liable for damage if any of the following apply:
1) You cause, or any authorized driver causes, the damage intentionally or by reckless or wanton misconduct. 2) The damage occurs while you, or any authorized driver, operates the car in this state while under the influence of an intoxicant or other drug, as described by the laws of this state. 3) The damage occurs while you, or any authorized driver, operates the car in another state while under the influence of an intoxicant or other drug, as described by the laws of that state. 4) The damage occurs while you, or any authorized driver, is engaged in a race, speed, or endurance contest. 5) The damage occurs while you or any authorized driver is using, or has directed another to use, the car in the commission of a misdemeanor, or a felony, as defined by s. 939.60, Stats. 6) The damage occurs while you are using, or any authorized driver is using, the car to carry persons or property for hire. 7) The damage occurs while you are using, or any authorized driver is using, the car outside the United States and Canada, except as is permitted under the rental agreement. 8) The damage occurs while the car is operated on a surface not intended for use by private passenger vehicles. 9) You provide us misleading or false information in order to rent the car, which causes us to rent you the car when we would not have otherwise done so, or on terms to which we would not have otherwise agreed. 10) You, or an authorized driver who was operating the car when an accident occurred, fail to promptly report, to us and the police, the accident resulting in damage to the car. 11) The damage is caused by an unauthorized driver if you did not report a theft to the police within 24 hours after you learned the unauthorized driver took possession of the car, did not cooperate with the police in providing information about the theft, or left the ignition key in the car at the time of the theft.
NOTICE OF RIGHT TO INSPECT DAMAGE
If the car is damaged, we may not collect any amount for the damage unless you, or an authorized driver against whom we claim liability, have been promptly notified of your and your insurers' right to inspect the unrepaired car within two working days after we were notified of the damage. If you request, we must also give you a copy of any estimate we have obtained from a repair shop regarding any damage claim. Within 2 working days after receiving that estimate, you may request a second estimate from a competing repair shop and we must give you a copy of the second estimate.
If you have any complaints about our attempt to hold you liable for damages or would like a copy of the state law that fully sets forth your rights and obligations, contact:
Bureau of Consumer Protection
P.O. Box 8911, Madison, WI 53708-8911
Call toll-free 1-800-422-7128
For Guests whose trips start in the state of Minnesota, please read the following notice carefully:
Under Minnesota law, a personal automobile insurance policy must: (1) cover the rental of this motor vehicle against damage to the vehicle and against loss of use of the vehicle; and (2) extend the policy's basic economic loss benefits, residual liability insurance, and uninsured and underinsured motorist coverages to the operation or use of a rented motor vehicle. Therefore, purchase of any collision damage waiver or similar insurance affected in this rental contract is not necessary. In addition, purchase of any additional liability insurance is not necessary if your policy was issued in Minnesota unless you wish to have coverage for liability that exceeds the amount specified in your personal automobile insurance policy.
For Guests whose trips start in the state of Missouri, please read the following notice carefully:
Our contract offers for an additional charge optional products which provide you protection during your rental, including:
1. Collision Damage Waiver: You are responsible for all damages to or loss of the rental vehicle. A Collision Damage Waiver will relieve you of responsibility for all or part of the damage to the rental vehicle that may occur during the rental period.
2. Personal Accident Insurance: Personal Accident Insurance provides accidental death and accident medical insurance that protects you during the rental period in or out of the rental vehicle and your passengers while in the rental vehicle.
3. Personal Effects Coverage: Personal Effects Coverage protects your possessions from loss or damage during the rental period.
4. Liability Insurance: Liability Insurance provides protection to cover injuries or death to third parties or damage to a third party's property if you are at fault in an accident with the rental vehicle during the rental period.
Before deciding to purchase any of these optional products, you may wish to determine whether your personal insurance or credit card provides you coverage during the rental period.
The purchase of any of these products is not required to rent a vehicle.
For Guests whose trips start in the state of New York, please read the following notice carefully:
NOTICE: THIS AGREEMENT OFFERS, FOR AN ADDITIONAL CHARGE, OPTIONAL VEHICLE PROTECTION TO COVER YOUR FINANCIAL RESPONSIBILITY FOR DAMAGE OR LOSS TO THE SHARED VEHICLE. THE PURCHASE OF OPTIONAL VEHICLE PROTECTION IS OPTIONAL AND MAY BE DECLINED. YOU ARE ADVISED TO CAREFULLY CONSIDER WHETHER TO PURCHASE THIS PROTECTION IF YOU HAVE COVERAGE PROVIDED BY YOUR CREDIT CARD OR AUTOMOBILE INSURANCE POLICY THAT WILL COVER THE SHARED VEHICLE. BEFORE DECIDING WHETHER TO PURCHASE OPTIONAL VEHICLE PROTECTION, YOU MAY WISH TO DETERMINE WHETHER YOUR CREDIT CARD OR YOUR VEHICLE INSURANCE AFFORDS YOU COVERAGE FOR DAMAGE TO THE SHARED VEHICLE AND THE AMOUNT OF DEDUCTIBLE UNDER SUCH COVERAGE.
NOTICE: THE FOLLOWING IS A GENERAL SUMMARY OF SHARED DRIVERS' RIGHTS AND OBLIGATIONS. FOR COMPLETE DETAILS, REFER TO THE PEER-TO-PEER CAR SHARING AGREEMENT. OPTIONAL VEHICLE PROTECTION (OVP): THIS CONTRACT OFFERS, FOR AN ADDITIONAL CHARGE, OVP TO COVER YOUR FINANCIAL RESPONSIBILITY FOR DAMAGE OR LOSS TO THE SHARED VEHICLE. OVP IS ALSO COMMONLY REFERRED TO AS A "COLLISION DAMAGE WAIVER". THE PURCHASE OF OVP IS OPTIONAL AND MAY BE DECLINED. BEFORE DECIDING WHETHER TO PURCHASE OVP, YOU MAY WISH TO DETERMINE WHETHER YOUR CREDIT CARD, OR THE VEHICLE INSURANCE MAINTAINED BY YOURSELF OR SOMEONE IN YOUR HOUSEHOLD, AFFORDS YOU ANY COVERAGE FOR DAMAGE TO THE SHARED VEHICLE, AND THE AMOUNT OF DEDUCTIBLE UNDER ANY SUCH COVERAGE. OVP - WHEN VOID: OVP IS VOID AND SHALL NOT APPLY TO THE FOLLOWING SITUATIONS: 1. IF THE DAMAGE OR LOSS IS CAUSED AS A RESULT OF THE SHARED VEHICLE DRIVER'S INTENTIONAL ACTS; WILLFUL, WANTON, OR RECKLESS CONDUCT OF THE DRIVER; OR OPERATION OF THE SHARED VEHICLE WHILE INTOXICATED OR UNLAWFULLY IMPAIRED BY THE USE OF ALCOHOL OR DRUGS; 2. THE PEER-TO-PEER CAR SHARING PROGRAM ENTERED INTO THE PEER-TO-PEER SHARING AGREEMENT BASED ON FRAUDULENT OR MATERIALLY FALSE INFORMATION SUPPLIED BY THE SHARED VEHICLE DRIVER; 3. THE DAMAGE OR LOSS ARISES OUT OF THE USE OF THE SHARED VEHICLE: (A) WHILE ENGAGED IN THE COMMISSION OF A CRIME, OTHER THAN A TRAFFIC INFRACTION; (B) TO CARRY PERSONS OR PROPERTY FOR HIRE, AS A TRANSPORTATION NETWORK COMPANY OR TNC VEHICLE AS DEFINED IN ARTICLE FORTY-FOUR-B OF THE VEHICLE AND TRAFFIC LAW, TO PUSH OR TOW ANYTHING, WHILE ENGAGED IN A SPEED CONTEST, OPERATING OFF ROAD, OR FOR DRIVER'S TRAINING; (C) BY A PERSON OTHER THAN: (1) THE SHARED VEHICLE DRIVER; (2) THE SHARED VEHICLE DRIVER'S SPOUSE, CHILD OVER THE AGE OF EIGHTEEN OR A PARENT OR PARENT-IN-LAW OF THE SHARED VEHICLE DRIVER, PROVIDED SUCH SPOUSE, CHILD, PARENT OR PARENT-IN-LAW IS PROPERLY LICENSED TO OPERATE A MOTOR VEHICLE AND RESIDES IN THE SAME HOUSEHOLD AS THE SHARED VEHICLE DRIVER; OR (3) A PARKING VALET OR PARKING GARAGE ATTENDANT FOR COMPENSATION AND IN THE NORMAL COURSE OF EMPLOYMENT; (D) OUTSIDE OF THE CONTINENTAL UNITED STATES WHEN NOT SPECIFICALLY AUTHORIZED BY THE PEER-TO-PEER CAR SHARING AGREEMENT; (E) WHERE THE SHARED VEHICLE DRIVER, OR HIS OR HER SPOUSE, CHILD OVER THE AGE OF EIGHTEEN OR A PARENT OR PARENT-IN-LAW OF SUCH SHARED VEHICLE DRIVER FAILED TO COMPLY WITH THE REQUIREMENTS FOR REPORTING DAMAGE OR LOSS AS SET FORTH IN LAW. OVP - DAMAGE REPORTING REQUIREMENTS: IF THE SHARED VEHICLE SUSTAINS DAMAGE OR LOSS, THE SHARED VEHICLE DRIVER IS REQUIRED TO COMPLETE AND RETURN AN INCIDENT REPORT NOTICE TO THE PEER-TO-PEER CAR SHARING PROGRAM. OVP - RIGHT TO INSPECT VEHICLE DAMAGES: THE SHARED VEHICLE DRIVER AND HIS OR HER INSURER HAVE THE RIGHT TO REQUEST AN INSPECTION OF THE SHARED VEHICLE DAMAGES WITHIN SEVENTY-TWO HOURS OF THE RETURN OF THE VEHICLE. FAILURE OF THE SHARED VEHICLE DRIVER OR HIS OR HER INSURER TO REQUEST SUCH INSPECTION WITHIN SEVENTY-TWO HOURS OF RETURN SHALL BE DEEMED A WAIVER OF SUCH PERSON OR ENTITY'S RIGHT TO INSPECT THE DAMAGED VEHICLE. THEFT OF THE SHARED VEHICLE: IF THE SHARED VEHICLE IS STOLEN DURING THE TERM OF A PEER-TO-PEER CAR SHARING AGREEMENT, A SHARED VEHICLE DRIVER MUST REPORT THE THEFT OF THE SHARED VEHICLE TO THE PEER-TO-PEER CAR SHARING PROGRAM AND A LAW ENFORCEMENT AGENCY WITHIN TWELVE HOURS OF LEARNING OF SUCH THEFT.
Getaround is a peer-to-peer car car sharing 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 Hosts for excessive wear and tear to their car by a Guest. We do not insure for normal wear and tear. Hosts are 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 Guest 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 Host and Guest to ensure they remove any personal belongings from the car before and after each Reservation.
We provide insurance for our Members only. As per Getaround's Terms of Service, Getaround cars may only be driven by the Guest who booked the Reservation.
Insurance coverage applies to cars shared for personal use only. Cars shared for commercial purposes, organized racing, or stunting activity are not covered.
Guests must report Incidents that occur during a Reservation to Getaround within 48 hours of the incident's occurrence. If an incident is not reported within 48 hours of its occurrence, the Guest 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 Guest 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 Hosts 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 Host's own risk. If an aftermarket wheel incurs damage during a Reservation 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 Reservation 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.
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.
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 Reservations, regardless of any determination of fault for the underlying loss. By enrolling vehicles in the Service, Hosts expressly waive any right to assert diminished value claims against Getaround, except where such waiver is explicitly prohibited by applicable law.
All repairs paid for by Getaround or Getaround's insurance provider(s) must use reconditioned, remanufactured, or aftermarket parts of like kind and quality (“LKQ Parts”) to the part requiring replacement, regardless of vehicle age or mileage. OEM replacement parts may only be approved by Getaround in its sole discretion, and only if LKQ Parts do not exist for the part requiring replacement.
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 Hosts shall use best efforts to mitigate the cost of such storage fees by retrieving their vehicles as soon as possible. Hosts 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 Host 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 Host's unreasonable delay in retrieving the vehicle, Getaround may decline to reimburse such Host 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.
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.
Any supplemental damage identified during the repair process must be reported within 30 days of the initial payment being completed. Supplemental damage reported after 30 days of payment will be at the host's expense and will not be covered by Getaround.
You understand and acknowledge that, upon onboarding, you agreed that no salvage or rebuilt vehicle (or vehicle spared from becoming a salvage vehicle by taking a lesser settlement) will be onboarded for car sharing. If a claim is filed, you agree, if requested, to provide proof supporting that your vehicle is free and clear of a salvage, rebuilt or branded title. If the information provided or the research conducted during a claim confirms otherwise, then you understand, acknowledge and agree that there will be no payment for damages due to having a salvage, rebuilt or branded vehicle available for car sharing.
By signing up with Getaround, Hosts understand and acknowledge that their own personal auto insurance policy may not provide coverage for the Host or the Host's vehicle while the vehicle is being shared as part of the Getaround program. Coverage under Getaround's insurance program shall be primary to an Host's personal auto insurance policy while the vehicle is being shared 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 Hosts and Guests in New York State.
Unlike others states in which the Services are available, in the state of New York, auto insurance liability coverage for Guests and Hosts is provided exclusively by commercial insurance policies (“New York Policies”) purchased and maintained directly by Hosts (“New York Hosts”), 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 Host 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, Guests 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 $50,000 per person for bodily injuries, and up to $100,000 per person if such injuries result in death.
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 a Host and you become aware of an event occurring during a Reservation 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 Reservation 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 a Host 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.
If, after review, Getaround determines that payment is warranted for a claim that is covered as outlined in this summary, Hosts 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 Guest. Hosts 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 Guest. Upon such payment, Hosts hereby assign any such right of recovery to Getaround or its designated assignee(s). At no time may Hosts undertake any action, including executing a release with the applicable Guest, that could affect Getaround’s rights with respect to any claim submitted to Getaround.
If a claim is made, or lawsuit filed, by any party against a Host and/or Guest, and Getaround determines that the underlying loss is a covered claim as outlined in this summary, the Host and/or Guest shall be assigned counsel at the direction of Getaround. If the Host and/or Guest fails 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, Hosts and Guests consent to being represented by the same counsel if, in counsel’s professional opinion, there is no conflict of interest in representing both parties.
Getaround's master insurance policy does not provide a defense or indemnification for any claim that may be asserted by Getaround against Hosts or Guests. Getaround reserves the right to seek indemnification from Hosts or Guests for any losses sustained by Getaround that have been caused by a breach of Getaround's Terms of Service.
Guests acknowledge and agree that Getaround has the right (but not the obligation) to subrogate against such Guests and/or their personal automotive liability insurance policies, jointly and severally, in connection with any damage or loss occurring during trips taken by such Guests.