How does insurance work? What am I responsible for if I have an accident?

The specifics of protection are described in the Renter portion of this FAQ entry, including procedures relating to subrogation. A simple description of the typical claims process is available here. 

Your responsibilities will vary depending on which protection package you have selected. In cases where only the owner’s car is involved, you are responsible for damage to the owner’s car that wasn’t reported as pre-existing damage at the beginning of the reservation.

When damage is reported, you will initially be charged the following applicable amount at the beginning of the claims process, depending on the initial assessment of the damage:

  • Premium Package – $500
  • Basic Package – up to $3000, and no less than $500
  • Decline – up to $3000, and no less than $500 

If there is another car involved, please make sure to get the contact and insurance information for the other car and driver, and get a police report if available.

After we have received a report of the incident, and so long as the incident is eligible for coverage (e.g., occurred during the reservation, was reported within 24 hours of the end of the reservation with appropriate photographs, etc.), we will submit the claim to our third party claims processor who will contact you, the owner, and all relevant parties to process the claim. Specific resolution will depend on the facts of your case (which party is at fault, jurisdiction, etc.), and our processor will guide you through the claims process.

Depending on, among other things, which protection option you have selected, where liability for the incident is found to lie, and what the level of damage is, you will either receive a refund of some, none or all of the amounts initially charged, or be required to pay (either yourself, your insurer, or both) additional amounts to satisfy your obligations. Please note that one of the costs that you will be responsible for will be claims processing costs, which vary, but can reach a maximum of $575 per claim, depending on the severity and complexity of the loss. Also please note that if your current payment card selection does not have sufficient funds to provide coverage for the payment, we will charge your other cards on file to satisfy your payment obligations.

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