Frequently Asked Questions

Peer-to-peer (P2P) car rental is a car sharing model where private vehicle owners rent their personal cars directly to other people through a platform like ItWhip. Unlike traditional rental companies that own fleets, P2P connects local car owners with renters—offering more variety, better prices, and a personal touch. Think of it as Airbnb for cars.

ItWhip offers several advantages over Turo for Arizona hosts and guests: (1) Higher earnings—hosts keep up to 90% vs Turo's 60-85%, (2) Faster payments—48 hours vs 3-5 days, (3) Higher coverage—$1M liability vs $750K, (4) Mileage Forensics™—GPS-verified trip tracking Turo doesn't offer, (5) ESG Dashboard—environmental impact tracking, and (6) Arizona-focused—we know the local market, events, and compliance requirements.

Currently, ItWhip operates exclusively in Arizona, serving the Phoenix metro area including Scottsdale, Tempe, Mesa, Chandler, Gilbert, and Glendale. We're focused on delivering the best P2P car sharing experience in Arizona before expanding. Expansion to additional states is planned for 2025.

Yes, absolutely. Arizona has specific legislation governing P2P car sharing: A.R.S. § 28-9601 through 28-9613. This law establishes clear rules for platforms, hosts, and guests—including insurance requirements, liability protections, and tax obligations. ItWhip is fully compliant with all Arizona P2P car sharing regulations, and we handle Transaction Privilege Tax (TPT) collection and remittance on your behalf.

To rent on ItWhip, you need: (1) A valid driver's license (US or international), (2) Be at least 21 years old (25+ for luxury/exotic vehicles), (3) A valid credit or debit card, and (4) Pass our verification process including a background check and driving record review. The verification is quick—most guests are approved within minutes and it's a one-time process for all future rentals.

Every ItWhip rental includes $1M liability coverage automatically—no extra purchase required. This protects you if you cause injury or property damage to others. For damage to the rental vehicle itself, you're covered under the host's protection plan with deductibles ranging from $1,000-$2,500 depending on their tier. You can also add your own personal auto insurance to get 50% off the security deposit.

ItWhip offers flexible pickup options: (1) Hotel delivery—free delivery to 50+ partner hotels across Arizona, (2) Airport pickup—convenient locations near Phoenix Sky Harbor (PHX), (3) Home delivery—have the car delivered to your address (fees may apply), or (4) Host meetup—meet the host at a mutually agreed location. You'll receive detailed pickup instructions after booking.

The minimum age to rent on ItWhip is 21 years old. For luxury, exotic, and high-performance vehicles, you must be at least 25 years old. All renters must have a valid driver's license and pass our verification process regardless of age.

Yes! Guests who verify their personal auto insurance through ItWhip receive a 50% discount on security deposits. Your personal insurance becomes tertiary coverage (after the host's insurance and platform insurance), but the real benefit is the reduced upfront cost. Simply upload your insurance card during verification to unlock the discount on all future rentals.

Host earnings depend on your vehicle type, rental frequency, and insurance tier. At the 90% tier: Economy cars average $800-1,400/month, standard vehicles $1,200-2,000/month, and luxury vehicles $2,000-4,000/month—based on 15-20 rental days. Phoenix hosts benefit from year-round demand, especially during major events like Barrett-Jackson, Spring Training, and the Waste Management Open.

Your earnings tier is determined by the insurance YOU bring: BASIC (40%)—you bring no insurance, we provide full platform coverage, best for new hosts getting started. STANDARD (75%)—you bring P2P insurance (like State Farm or Getaround coverage), your insurance is primary. PREMIUM (90%)—you bring commercial auto insurance, maximum earnings with lowest deductibles. All tiers include $1M liability coverage.

ItWhip pays hosts within 48 hours of trip completion—the fastest in the industry. Payments go directly to your bank account via direct deposit (Stripe Connect). You can track all earnings, pending payments, and completed payouts in real-time through your host dashboard. We also provide automated 1099 tax documentation at year-end.

Mileage Forensics™ is ItWhip's proprietary system that tracks and verifies odometer readings between trips. It detects gaps in mileage that might indicate unreported personal use, fraud, or unauthorized trips. For hosts, this means complete transparency on how your vehicle is used. For insurers, it provides verified usage data for accurate underwriting. No other P2P platform offers this level of trip verification.

To list on ItWhip, your vehicle must: (1) Be model year 2015 or newer, (2) Have under 130,000 miles, (3) Have a clean title (no salvage or rebuilt titles), (4) Pass a safety inspection, (5) Be registered and located in the Phoenix metro area, and (6) Have valid registration and be in good mechanical condition. Luxury, exotic, and specialty vehicles are welcome!

For most Arizona hosts, yes. Consider: The average ItWhip host earns $800-2,000/month with just 15-20 rental days. That could cover your entire car payment plus insurance. You also get tax benefits—vehicle depreciation, maintenance, and insurance are potentially deductible. Plus, with ItWhip's 90% tier, you keep more than any other platform. The math usually works in your favor, especially for vehicles that sit unused during work hours.

Every ItWhip trip includes: (1) $1,000,000 liability coverage—protects against third-party injury and property damage claims, (2) Comprehensive coverage—theft, vandalism, weather damage, (3) Collision coverage—damage from accidents, (4) 24/7 roadside assistance—towing, flat tires, lockouts, jump starts, and (5) Loss of use compensation—hosts receive daily payments if their car is being repaired after an incident.

If there's an accident: (1) Ensure everyone is safe and call 911 if needed, (2) Document the scene with photos and get a police report, (3) Report the incident through the ItWhip app within 24 hours, (4) Our claims team guides you through the FNOL (First Notice of Loss) process, and (5) Claims are typically resolved within 48-72 hours. Both hosts and guests are protected under our coverage—your personal auto insurance is not affected for covered claims.

Deductibles vary by host tier: BASIC tier (40% earnings)—$2,500 deductible, STANDARD tier (75% earnings)—$1,500 deductible, PREMIUM tier (90% earnings)—$1,000 deductible. Higher tiers not only earn more but also have lower out-of-pocket costs if something goes wrong. Guests are responsible for deductibles for damage they cause, up to the security deposit amount.

The ESG (Environmental, Social, Governance) Impact Score measures each vehicle's environmental footprint and the host's sustainability practices. It factors in: fuel efficiency, emissions category, maintenance compliance, and trip patterns. Guests can filter by ESG score to choose eco-friendly rentals. Hosts with high ESG scores earn badges and may attract environmentally-conscious guests willing to pay premium rates. This is part of ItWhip's commitment to CSRD-compliant sustainability tracking.

MaxAC™ is ItWhip's Arizona-specific certification ensuring vehicles perform in extreme desert heat. Every MaxAC™ certified vehicle has: (1) Verified working A/C tested above 100°F, (2) Proper window tinting within legal limits, (3) Maintained cooling system, and (4) Interior sun protection. In Phoenix summers, this matters. Guests never have to worry about getting into a hot car from a rental lot—MaxAC™ cars arrive cool and comfortable.