Insurance Policy

Effective Date: January 04, 2016

Archived Versions:

FLIGHTCAR OVERVIEW OF INSURANCE

Effective January 4th

FlightCar is a community: we all have to do our part to make it to make it a reliable, consistent and convenient service for people to enjoy. Owners and visitors each have some obligations and so do we. We want you to understand how FlightCar insurance and Damage Waivers work. This Overview, however, is not binding, so please check your Visitor Policy or Owner Policy to understand the scope of coverage we provide. While these policies may change from time to time, the ones in effect at the time you drop your car off or pick up your rental are the ones that apply.

Coverage varies between Visitors and Owners, especially in the limits provided. In general, what this means is that Visitors are responsible for costs or expenses beyond the limits of their own insurance or the FlightCar Insurance (and in aggregate, if applicable). It is important to remember you must follow all FlightCar Policies in order for the insurance benefits to apply to your vehicle or rental.

Please email us at support@flightcar.com if you have any questions or would like additional information or detail.

FOR OWNERS

We provide a variety of insurance coverage and first party protection for your vehicle while it is in our possession and on rental – all of this insurance has a $0 deductible. All of this protection is primary, which means your personal insurance should never be involved. For more information about this, please see our FAQ.

COVERAGE AND PROTECTION WE PROVIDE:

LIABILITY INSURANCE: We provide primary liability coverage of $1,000,000 for bodily injury and property damage to third parties. This means that if your vehicle causes damage to a person or their property while it is rented, FlightCar will cover up to $1,000,000 of damage. You never have to contact your insurance provider—we’ll take care of it.

We will work with you if you discover damage after your vehicle has been returned.

  • We will do a full visual inspection of your vehicle with you at drop off and pick up. All damage that is visible must be reported and recorded when you pick up your vehicle and end your listing, before you leave our facility.
  • If you believe that a visitor has caused mechanical damage to your vehicle that could not have been detected in the visual inspection, you must report it to us within 72 hours of the end of your listing and cooperate with our investigation of the damage.
  • In the case you report damage, you will need to obtain a diagnosis of your vehicle from one of our partner service providers. We will cover this cost. You can always choose to obtain your own diagnosis at a service provider of your choosing at your own expense.
  • If we determine, in our sole discretion, that the visitor was responsible, FlightCar will cover 100% of the reasonable costs of repairs. The repair work and cost must be pre-approved by us, and will make payment directly to the body shop. Alternatively, we will settle with you for a mutually acceptable amount if you choose not to have the vehicle repaired.
  • If you fail to give us notice, or to cooperate reasonably with our investigation, we may not be able to determine the cause. In that case, you agree that we may decline any financial responsibility for the damage.
  • In the event of non-recoverable theft or “total loss,” we will purchase your vehicle from you for 110% of the Kelley Blue Book value (at time of drop off) of your vehicle. We may deem the vehicle a “total loss” if repair costs exceed 90% of the vehicle’s current Kelley Blue Book value, and we may deem a theft non-recoverable if the vehicle has not been recovered within three weeks of being reported stolen to authorities. We always determine your vehicle’s value using Kelley Blue Book’s “very good” condition; “private party seller” classification.
  • If you fail to respond to FlightCar about a claim within 21 days, we will consider the claim resolved, and you automatically forfeit all claims.

COVERAGE WE DON'T PROVIDE:

WEAR AND TEAR: We don’t cover wear and tear. Wear and tear occurs during normal use of the vehicle, and includes, but is not limited to: small dents, nicks, cracks, scratches, scuffs, or scrapes of 3 inches or less on the exterior and interior, as well as wear on brakes, suspension, and your engine and parts such as belts and hoses. In addition, we do not cover interior items such as speakers, buttons/knobs/levers/switches, radios, door handles, window regulators, lock actuators, glove compartments, dashboards, cup holders, visors, sunshades, interior electrical components/parts, or cigarette lighters. On the exterior, we do not cover items such as antennae, rims, curb rash on wheels, under front/rear bumpers and rocker moldings, any curb rash to the protective shields beneath the vehicle, hubcaps, bulge in tire, or trunk latches, unless there is evidence of a collision.

ROUTINE MECHANICAL FAILURES: When you drop off your vehicle with FlightCar at our designated location, you warrant that the car is free from mechanical issues and is maintained according to manufacturer specifications. Should a mechanical issue arise during a rental that is caused by routine driving, use, and operation of the vehicle, or poor maintenance, FlightCar will return the vehicle to the location that it was dropped off at. However, it is then the owner’s responsibility to repair the vehicle. In the event that a site repair or fix is more economical than towing the vehicle, you authorize us to perform such a repair, and you will be expected to reimburse FlightCar for the cost of the repair or fix.

PERSONAL BELONGINGS: FlightCar cannot be held responsible for any personal belongings left in the car. It is your responsibility to protect your valuables. This also applies if we remove items from your vehicle prior to any rental.

ON OUR LOT: As with any parking lot, FlightCar does not provide insurance coverage in the case that your vehicle is damaged from weather, any natural disaster, Act of God, act of terrorism, war, or violence, or any other occurrence reasonably outside of FlightCar’s control, while the vehicle not on rental.

DEPRECIATION / LOST VALUE: FlightCar does not insure against lost value or depreciation to your vehicle in case it is involved in an accident or otherwise sustains damage.

EMOTIONAL OR OTHER CONSEQUENTIAL DAMAGES: There are things in life that can happen when travelling, like missing a flight or losing luggage. We do not cover these or any other consequential or emotional damages.

LATE FEES: If you receive notice that a Visitor incurred a toll or violation you must report it to us within 30 days of the violation date. We will not pay late fees resulting from later notification.

FOR VISITORS

FlightCar provides industry leading protection and coverage for you with every rental, included free of charge. We also have additional coverage for sale which will decrease your potential liability in the event that an unforeseen event occurs. Please note that any included/complimentary coverage is secondary, excess coverage. Any add-on protection that we sell is primary. This means that if you have a personal auto policy or a credit card that provides auto insurance as a benefit, your personal coverage will be primary (except where prohibited by state law), unless you purchase add-on coverage from FlightCar.

In the event that an accident or collision occurs when an additional Authorized Driver is operating the vehicle, claims must be filed with the personal auto insurance providers of both parties (if applicable). The primary provider will be determined by the insurance carriers, depending on the exact wording of the respective policies. In any case, the primary visitor is always ultimately responsible for any accident or incident that occurs while a vehicle is on rent to them.

We recommend you speak to your personal auto policy provider (if applicable) and your credit card issuer (if applicable) to determine their coverage when you are renting with FlightCar, in order to determine what additional insurance coverage you may need.

COVERAGE WE PROVIDE

SUPPLEMENTAL LIABILITY INSURANCE: We provide supplemental liability coverage of $1,000,000 for bodily injury and property damage to third parties caused by you while you are driving a FlightCar vehicle. This means that if you follow all the rules, and the car you are driving causes damage to a person or their property while the it is rented, FlightCar will cover up to $1,000,000 of liability, but only after your coverage from your primary insurance provider tops out.

UM+UIM / UNINSURED AND UNDERINSURED MOTORIST COVERAGE: We provide the statutory minimum coverage (or none where allowable as dictated by laws of the state where the vehicle is registered). This coverage generally goes into effect when the Visitor is injured by an uninsured or underinsured driver, and the driver is unable to pay for the damages caused.

PIP / PERSONAL INJURY PROTECTION / FIRST PARTY BENEFIT / NO-FAULT: We provide the statutory minimum coverage as dictated by laws of the state where the vehicle is registered. This coverage generally covers medical expenses for the driver, passengers, and sometimes even to pedestrians.

PRE-EXISTING MECHANICAL FAULTS: If a significant mechanical issue arises with the Vehicle during the rental, you must stop driving immediately and inform FlightCar, who will instruct you how to proceed. This will help ensure no additional damage is caused to the car as a result of a normal or routine mechanical failure. If a fault is diagnosed to be pre-existing or unavoidable through normal and routine operation of the vehicle, FlightCar will cover all authorized expenses directly related to towing, repair, and providing alternate/ replacement vehicles.

COVERAGE YOU MAY PURCHASE:

COLLISION AND COMPREHENSIVE: FlightCar does not provide any free collision or comprehensive coverage in your base rental price. This means that you are 100% responsible for any damage to any vehicle that you rent (depending on your personal auto coverage, you may sometimes claim this from your insurance company, your credit card company, or the at-fault driver’s insurance company if you are not at-fault). You are held responsible for damage or personal property or bodily injury claim occurring during the rental regardless of the cause or fault, including, but not limited to, damage, personal property, or bodily injury, and will be responsible for the entire loss amount.

DAMAGE WAIVER (may be required for some Visitors). We do not provide any free collision or comprehensive coverage with your rental. Things happen, we get it. But you are 100% responsible for any damage that occurs to any vehicle that you rent. In the event that a third party is responsible for damages, it is your responsibility, and not FlightCar’s, to pursue the at-fault driver or the at-fault driver’s insurance provider (the legal term for this is “subrogation”). We also do not cover expenses for your pain or suffering, your medical costs, or any other consequential or emotional damages you suffer.

If at the time of rental you purchase a collision damage waiver for an additional cost, a portion of total damages will be covered--the specific amount depends on the level of coverage you purchase with us.

FlightCar sells a limited damage waiver in three packages:

  • The FlightCar Basic package: FlightCar will cover the first $500 of any collision or comprehensive claims, and the visitor will be responsible for paying any charges in excess of that $500.
  • The FlightCar Plus package: FlightCar will cover the first $1,000 of any collision or comprehensive claims, and the visitor will be responsible for paying any charges in excess of that $1,000.
  • The FlightCar Premium package: FlightCar will cover the first $2,500 of any collision or comprehensive claims, and the visitor will be responsible for paying any charges in excess of that $2,500.

Please note that, regardless of what damage waiver package the Visitor purchases, any towing expenses related to a damage claim will be included in the amount that FlightCar will cover for that claim as part of the coverage.

You can purchase Roadside Assistance as a FlightCar Boost. If you purchase this, we will cover towing, even if the vehicle is damaged or destroyed in an accident or incident. FlightCar also does not provide a replacement vehicle if your vehicle is no longer able to be used, and if you have an unused portion of your rental, it will not be refunded after the resulting damage claim has been resolved.

If you are under 25 or have a foreign license, you may be required to show us proof of insurance, or to purchase the FlightCar Premium Damage Waiver.

COVERAGE WE DON'T PROVIDE:

THEFT, VANDALISM AND EXTRAORDINARY EVENTS: Unfortunately, we are unable to insure rentals against theft of the vehicle itself or any belongings you have inside of the vehicle, from vandalism such as graffiti or broken windows, or from Acts of God, acts of terrorism, war, or violence. Please note that without your own insurance coverage you may be responsible for the full replacement cost of the vehicle.

MEDICAL PAYMENTS / PAIN AND SUFFERING COVERAGE: FlightCar does not offer any additional coverage for medical payments or for any pain and suffering claims that may not be otherwise covered. Please check with your own personal insurance. FlightCar strongly recommends you maintain adequate personal health insurance.

EXCESS WEAR AND TEAR: You are responsible for excessive wear and tear on a vehicle, as determined by FlightCar. If we determine you have caused excessive wear or damage due to abuse or neglect, you may be subject to penalties up to and including the entire repair cost of the damage caused. FlightCar will evaluate all claims of wear and abuse on a case by case basis.

MECHANICAL DAMAGE: If you abuse a vehicle, operate it outside of its operational capabilities or limits, or fail to report pre-existing damage immediately and cause additional damage as a result, you will be held liable for all of the damage and repair costs, in addition to any costs incurred by FlightCar for towing, providing alternate/ replacement vehicles, compensation, and any other expenses.

THESE THINGS CAN VOID YOUR INSURANCE COVERAGE:

PROHIBITED USES: If FlightCar finds that the Visitor has violated the FlightCar Terms of Service and/or visitor Terms and Requirements, the insurance coverage may not apply or may drop to state mandated minimum liability limits and the visitor may be held responsible for any claim, including, but not limited to, damage, personal property, or bodily injury. Violating any part of these documents may waive your entire right to insurance coverage or any other protection, whether complimentary or purchased.

ADDITIONAL DRIVERS: You must follow the appropriate procedures for adding additional drivers. You will not be able to add additional drivers after the beginning of the rental period. In the event of an accident, approved additional drivers have the same FlightCar Insurance as the Visitor – however, please note, personal coverage may be different. As the Visitor, you are ultimately held responsible for the vehicle. If the vehicle is involved in an incident when an undeclared/unapproved driver is operating the vehicle, YOU WILL NOT RECEIVE FLIGHTCAR INSURANCE COVERAGE AND WILL PERSONALLY BE HELD RESPONSIBLE FOR ALL DAMAGES, LIABILITY, AND CLAIMS.

MISREPRESENTATION: If a visitor or Additional Driver (if applicable) fails to file a claim with their own insurance company (if applicable) for any reason or otherwise misrepresents their personal auto coverage or the availability of personal auto coverage to FlightCar, this constitutes fraud and the FlightCar insurance coverage is automatically void and does not apply.