The comprehensive and collision coverage provided protects the host's vehicle in the event of an accident. This covers 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. In many states, if another driver's liability policy covers repairs to your car, that insurance is also required to provide you with transportation while your car is being repaired. It's also worth noting that even if your standard auto insurance policy only includes liability coverage, you may be protected in other ways.
If your car loses value after an accident, despite repairs, you have the right to file a reduced value claim. Finally, it's important to note that the rental refund will only cover the cost of the rental vehicle and not the security deposit, gas, supplemental coverage options, or other charges. Customers should also check with their insurer to see if the insurance company will have to reimburse them or if the rental company can bill the insurer directly. An accident is defined as a sudden, unplanned and unexpected event that is not under the control of the insured, which causes damage, injuries or losses that are not expected or intended.
While your car is being repaired, you can file a liability insurance claim for damage to the at-fault driver's property or use your own rental vehicle reimbursement coverage if the fault isn't immediately clear. The hosts are responsible for the normal maintenance of the car, as all cars experience reasonable wear and tear with use. Texas state law states that if your vehicle can be repaired, the insurance company is required to repair your car and provide you with a rental car while your car is in the workshop that is being repaired. You must also file a claim with your insurance company, as specified in your commercial insurance policy.
The USAA rental reimbursement covers the cost of renting a car after the policyholder's vehicle has been damaged by a covered cause, such as an accident. If you or your insurance company modify, cancel, or do not renew your policy for any reason (including, without limitation, non-payment of insurance premiums), or if you intend to modify, cancel, or not renew your policy, you must notify Getaround immediately after receiving notice of your change in insurance coverage or of your intention to modify, cancel, or not renew your policy. However, like a personal injury or wrongful death lawsuit, a property damage claim after a car accident will involve seeking compensation through available insurance coverages, both from the at-fault driver's insurance and, perhaps, from your own.