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.
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.
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 an insurance deductible of up to $500 to Getaround. In the event a renter has violated Getaround's Terms of Service, the deductible limit 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. While we provide insurance similar to a personal auto policy, our policy has some unique exclusions specific to our model:
Wear and Tear
We provide insurance 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.
We do not insure personal belongings left in the car. 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
We provide insurance to cover cars rented for personal use only. We do not insure cars rented for commercial purposes, organized racing, or stunting activity.
Additional Terms and Exclusions
As with any personal auto insurance policy, additional insurance terms, limitations, and exclusions apply. For a full statement of insurance including all terms, limitations, and exclusions, please contact us.