Guest Insurance

Learn More About How Your Car Is Insured

The Basics

Coverage in the US

Top Tier Insurance

Quick Accident Response and 24/7 Roadside Support

Flexible Protection Options for Guests

FOR  GUESTS

  • Premium Package: The out-of-pocket exposure for the guest with the premium package is limited to $500 max.  If damage occurs, $500 will be charged to the guest and if the charges are less than the $500 for all costs of the damage and related costs, the guest will be refunded the difference.  All other costs above $500 will be covered by this insurance package.
  • Basic Package: The guest's out-of-pocket exposure is limited to a payment of a deductible of $3000, under the same structure described in the Premium package.  The out-of-pocket exposure for the guest with the basic package is limited to a $3,000 deductable. If damage occurs, $3,000 will be charged to the guest and if the charges are less than the $3.000 for all costs of the damage and related costs, the guest will be refunded the difference.  If it is greater than $3,000 all additional expenses will be covered under this basic package.
  • Decline Coverage: The financial responsibility of guest for this option is the entire cost of the damage and "related costs" but is limited to the actual cash value of the car.  If the car is stolen, lost, or damaged where the cost to repair is over 75% of the actual cash value, it will be considered "totaled" and the renter will be responsible to pay the full cash value of the car plus all related costs.   If there is any residual "salvage value" it will be subtracted from the cash value of the car.

Guest's financial obligations during a damage claim

  • Guests are financially responsible for physical damage to the host’s vehicle.
  • Depending on which level of protection they’ve selected (Premium, Basic, or Decline), they can limit their out-of-pocket financial exposure.
  • If a collision occurs, the guest is responsible for 100% of the financial costs associated with the damage to the vehicle and is responsible to have it restored to the satisfaction of the host.
  • TripCar always stands ready to be responsible to the host for any eligible claim, and will take it upon itself to collect any appropriate amounts from guest if necessary.
  • Guests are responsible for claims processing fees of up to $500, in addition to any appraisal fees, unless the host decides that they do not want to process a claim through our system.

NOTE:

if the vehicle in question is a vehicle where the host is providing their own commercial rental insurance, TripCar does not provide insurance or protection to the vehicle or their guests, and the host’s own insurance and protections will apply. These protections and insurance may differ, and TripCar does not provide support for damage claims, accidents, or other financial obligations or issues in these circumstances.


Detailed explanation of insurance and protection provisions - Guests

  • This article is specifically for vehicles covered by a TripCar protection plan.
  • Vehicles covered under host-provided insurance, and guests of those vehicles, are subject to the terms and conditions of the host’s commercial liability and comprehensive and collision plans
  • TripCar makes no claims as to the limits, deductibles, or costs of non-TripCar plans. Please contact the listing page and/or vehicle host directly for plan and pricing details.
  • TripCar protects hosts, guests, and third parties, addressing both liability and physical damage exposures, on trips where the vehicle is insured via TripCar.
  • This article below focuses primarily on guests, while many host-specific items are discussed in this other article for host protection plans.

Liability policy addresses three components, and the insurance is provided according to the following terms where the vehicle and guests are insured via TripCar:
Bodily injury and property damage to third parties:
guests may select from protection packages that either include this $1,000,000 combined single limit (for the "Premium Package"), or provide liability coverage that is the minimum required by the state where the car is registered (for the "Basic" and "Decline" packages). These coverages are always secondary to any other policies the guest may already have.
PIP (short for “Personal Injury Protection”, or sometimes called “first party benefit” or “no-fault”):
The guest has the benefit of the statutory minimum required in the state where the vehicle is registered, which in many instances may be zero. This coverage varies by state, and typically addresses medical expenses, loss of income, funeral expenses and similar expenses for the driver or passengers in the vehicle without regard to fault. PIP is not applicable in all states. TripCar has either waived this coverage entirely or subscribed to the lowest limit allowable by state law, and members are bound by such election and agree to be so bound, pursuant to the Terms of Service.
UM/UIM (“Uninsured or Underinsured Motorist"):
When available, this coverage pays the guest or the guest’s passengers for bodily injury caused by an uninsured driver, hit and run driver, a driver whose limits of liability have been exhausted, or a driver whose insurer is insolvent. Once again, TripCar has either waived this coverage entirely or subscribed to the lowest limit allowable by state law, and TripCar users are bound by such election and agree to be so bound pursuant to the Terms of Service.
NOTE:

In some states, certain hosts’ coverages may continue to stay with the vehicle, even during the rental period, and so in those states the host's insurance could be implicated. TripCar, through its third party insurer, provides the statutory minimal UM/UIM coverage in all states, which may sometimes be zero.



Physical Damage protection includes two categories of “covered perils”: comprehensive and collision.

Collision:
When two vehicles hit each other, or when a single vehicle hits an object.
Comprehensive:
Other property damage to the car that isn’t a collision – theft, fire, animal impacts, vandalism, falling objects and acts of nature (windstorm, flood, etc.)
Host: host protection plans are described in this other article.

Guest: The guest is responsible to return the car on time and in essentially the same condition it was in when they first received it. The guest is financially responsible for all physical damage unless they provide documentation of pre-existing damage. The guest may document pre-existing damage by uploading Trip Photos at the beginning of the trip, by e-mailing pictures and a description to [email protected] at the start of the trip, or has documented an agreement with the host regarding pre-existing damage by using our “Trip Checklist” or similar means. Any physical damage protection that TripCar offers is “secondary” or “supplemental”, as further detailed at the end of this FAQ article.

The guest can choose from three (3) options to satisfy his or her physical damage obligations where the vehicle is insured via TripCar and not through a commercial rental policy offered by the host.

 

Premium Package:
The guest’s out-of-pocket exposure is limited to payment of a deductible of $500. When damage is reported, the guest will be charged $500, and if the total costs (direct costs of damage, plus all “Related Costs”, as defined below) are less than $500, the guest will be refunded the difference.

Basic Package:
The guest’s out-of-pocket exposure is limited to a payment of a deductible of $3000, under the same structure described in the Premium package.

Decline Coverage:
The guest’s financial responsibility is essentially unlimited, and is bounded only by the actual cash value of the car, plus all Related Costs. This means that if the car is lost, stolen, or damaged so extensively that the expected cost of repairs exceeds 75% of the actual cash value, the guest is responsible to pay the entire actual cash value of the car, plus all Related Costs, minus any residual salvage value.

Coverage via personal insurance or credit card.
Many people incorrectly believe that they have full coverage through a personal insurance policy or credit card. Please carefully check the terms and conditions of those policies and consult with your credit card company before assuming that you are covered and selecting the “Decline Coverage” option -- it is highly unlikely that you would be covered by any credit card insurance when you rent cars through the TripCar marketplace. Please also see this FAQ entry on the topic.


Terms of Service violations For both the Premium and Basic packages, if the guest or any of their Approved Drivers has violated the Terms of Service, engaged in any Prohibited Uses or otherwise intentionally, recklessly, or with wanton disregard, misused the car, the deductible limits described above will not apply and the guest will be liable for physical damage up to the actual cash value of the car, in addition to all Related Costs.

Mechanical or Interior Damage Furthermore, if during the rental period, there is damage caused to the interior of the vehicle or mechanical damage caused (not normal “wear and tear”), the protections described above do not apply, and the guest will be liable for the full cost of the repairs or replacement, as well as Related Costs.

 

Related Costs"Related Costs" may include all costs and fees permitted by law, including but not limited to, estimation or appraisal costs, storage fees, towing fees, repair or replacement costs, registration or transfer taxes, claims processing costs and all similar or associated costs, minus any residual salvage value that is collected. Claims processing costs vary, but are typically up to $500 per claim. If a third party accepts total fault for the claim and that third party’s insurer processes it on behalf of the host without substantial processing by TripCar’s third party claims administrator, the guest will be refunded the claims processing fee

 

TripCar protection is secondary.
  • The Premium and Basic packages are “supplemental” or “secondary” to any existing coverage the guest may have available through other sources (whether through a credit card, personal automobile, or other policy). In practice, this means that the guest is primarily liable, but can satisfy their obligations through these other sources, such that TripCar will first collect the relevant deductible directly from the guest, and then will seek reimbursement (“subrogation” in insurance terms) from the guest’s other sources for the total amount of liability.
  • If you have selected to rent a vehicle where the host is not utilizing TripCar’s insurance and is instead providing commercial rental liability insurance directly to you, none of the above applies. Please refer to the listing or contact the host to understand any insurance or protection available to you and any related fees.

Cancellation Fee: See Here