Insurance Coverage

PACKAGES 

    • 4 Host insurance options
    • Ultimate, Minimum Plus, Minimum, and Host Provided (valid commercial insurance) 
        • 2 Renter insurance options
        • Ultimate and Minimum 

        WHY A SECOND-PARTY COVERAGE? 

        carSHAiR is a peer-to-peer car-sharing platform, not a commercial rental car company. In order to protect your experience, all Users must select one of the carSHAiR coverage packages if a Host does not have valid commercial insurance. Almost all personal insurance policies are not for commercial use, which means that your insurance may not cover your trip. The biggest perk of having second-party coverage is, in the unlikely event of an accident, you would have coverage through SHAiR and your personal insurance premiums would not increase. 





        INSURANCE COVERAGE FOR HOSTS

        Ultimate

        You keep 65% of the daily rate.

        With a million-dollar liability coverage and a 100% discount on flat fees for roadside assistance and towing, our Ultimate coverage package offers the highest level of coverage for your vehicle. When you select the Ultimate coverage, you only have a $250 out-of-pocket deductible on damage claims*.

        Minimum Plus

        You keep 80% of the daily rate.

        With Minimum Plus coverage, you’ll still get the perks of our million-dollar liability coverage, a 30% discount on flat fees for roadside assistance and towing as well as a $50 credit towards towing mileage. The Minimum Plus plan also offers a $1000 out-of-pocket deductible on applicable and valid damage claims*.

        Minimum

        You keep 85% of the daily rate.

        Our Minimum coverage allows you to bank the most income while still staying secure. It offers the essentials with the same top-tier million-dollar liability coverage combined with single limit liability protection, a 5% discount on flat fees for roadside assistance and towing plus an additional $10 credit towards towing mileage. The minimum coverage offers a $2000 deductible on applicable and valid damage claims*.


        *Vehicles’ actual cash values are covered up to $200,000 for applicable damages as determined by our policies and claims representative.*

        Host Provided Insurance

        You keep 95% of the daily rate.

        Hosts who have valid commercial insurance may opt-out of selecting a carSHAiR coverage package. If you decline our coverage, the Host will assume all responsibility for their vehicle when using the carSHAiR platform. As a Host, it will be at your discretion if you charge a security deposit as carSHAiR will not include this in a Renter’s reservation. This package does not include carSHAiR roadside assistance. 

        INSURANCE COVERAGE FOR RENTERS

        Ultimate

        For Renters who understand the risks and unpredictability of the road.
        Enjoy the full extent of our million-dollar combined single limit coverage with the Ultimate plan. You’ll get a 100% discount on flat fees for roadside assistance and towing, and a $200 credit towards towing mileage. When you select the Ultimate coverage, you also have a zero out-of-pocket deductible on average vehicles** and a maximum deductible of $500 on the highest value vehicles***.

        Minimum

        For Renters with experience driving who need just the basic coverage.
        Our Minimum plan covers both bodily injury (per person and per accident) and physical damage in accordance with state minimums (or three times what’s required in California). Renters also receive a 5% discount on flat fees for roadside assistance and towing, plus an additional $10 credit towards towing mileage. This package carries a maximum out-of-pocket deductible of $2,000.

        What is the California state minimum liability insurance coverage?
        California requires Renters to carry at least the following auto insurance coverages:

        • Bodily injury liability coverage: $15,000 per person / $30,000 per accident minimum
        • Property damage liability coverage: $5,000 minimum
        • Uninsured motorist bodily injury coverage: $15,000 per person / $30,000 per accident minimum

        *Vehicles’ actual cash values are covered up to $200,000 for applicable damages as determined by our policies and claims representative

        **No bookings with a Daily Rate of less than $50

        ***On bookings with physical damage limits above $135,000

        Contact Us

        If you have any questions, You can contact us:

        • By email: contactus@carshair.com
        • Toll-free: 1.844.474.2478 (i SHAiR 8)
        Last updated: 2021-10-05T00:00:00