Protection complète qui couvre ce que l'assurance ne couvre pas. Surveillance en temps réel, réclamations instantanées et paiements garantis.
✓ $1M liability coverage
✓ Guest verification
✓ 24/7 support
✓ Payment processing
✓ Mileage Forensics™
Every trip is backed by multiple coverage layers regardless of which host program you’re in. Here’s the order claims are routed through:
Pick one program at signup. You can switch later if your situation changes — but you can’t be in both simultaneously.
ItWhip vs other P2P car sharing platforms
| Feature | ItWhip | Other Platforms | Your Advantage |
|---|---|---|---|
| Coverage Limit | Up to $1M liability | $750K typical | Higher protection |
| Host Earnings | 40-90% (you choose) | 60-85% (platform decides) | More control |
| Insurance Tiers | 3 tiers based on YOUR insurance | Fixed by platform | Transparent system |
| Claims Process | Streamlined claims resolution | 1-2 weeks typical | Faster resolution |
| Mileage Tracking | Mileage Forensics™ included | Basic tracking | Fraud prevention |
| Loss of Use | Up to $50/day, 30 days | Limited availability | Better compensation |
Pick the program that matches your situation. Your earnings depend on the program you’re in — Insurance Tier (driven by the insurance you bring) or Commission Tier (driven by fleet size).
Individual hosts (1–2 cars)
No insurance needed. We handle everything. Perfect for getting started.
You bring peer-to-peer insurance. Solid earnings, lower insurance costs.
You bring your commercial insurance. Highest earnings, full business benefits.
Fleet operators (3+ cars)
Entry tier for fleet operators.
Mid-size fleets earn a higher share.
Large fleets unlock premium rates.
Largest operators — top commission.
Every rental is backed by comprehensive coverage. Here's exactly what protection you get.
Covers bodily injury and property damage to third parties during rental periods
Covers damage to your vehicle from accidents with other vehicles or objects
Covers non-collision damage including theft, vandalism, and weather
Daily compensation while your vehicle is being repaired after a covered claim
24/7 roadside assistance for guests during active rentals
Covers medical expenses for driver and passengers regardless of fault
Lower deductibles with higher tiers. Deductible is the amount you pay before coverage kicks in.
Deductibles per tier reflect program design. Applied per claim policy and tier verification status.
Arizona requires minimum liability coverage of 25/50/15 ($25K per person, $50K per accident for bodily injury, $15K property damage). ItWhip coverage exceeds state minimums significantly.
Vehicle rentals in Arizona are subject to Transaction Privilege Tax. ItWhip automatically calculates and collects applicable taxes on all bookings.
Arizona is an at-fault state, meaning the driver who caused the accident is responsible for damages. Our coverage protects you regardless of fault determination.
All tiers include uninsured/underinsured motorist coverage to protect against drivers without adequate insurance.
Government ID, selfie verification, and background validation
Credit score minimum 700+, valid credit card with $5,000 available
Clean record required, no accidents in 5 years, 25+ age minimum
$2,500-5,000 pre-authorization based on vehicle value
Real-time location, speed, and geofence data via connected Smartcar integration
Live tracking when host connects their vehicle
Trip mileage validation prevents odometer entry below last recorded reading
Fraud-resistant by design
Start and end photos with mileage capture
Documentation supports claim resolution
Speed, geofence, and trip-state notifications via connected Smartcar integration
Notifications when host has telematics enabled
Everything you need to manage your car sharing business
Complete vehicle management system
Optimize your earnings
Know who rents your car
Track your income
Track sustainability metrics
Optimize your listings
Every trip is fully documented for your protection
Recommended pre-trip steps to maximize protection:
Available with Smartcar connection:
Turn your vehicle into a tax-advantaged business
Based on typical host with one vehicle renting 15 days/month
* Consult with a tax professional for your specific situation
Grow your business and unlock exclusive benefits
5+ trips, 4.5+ rating
15+ trips, 4.7+ rating
30+ trips, 4.9+ rating
5+ vehicles, $5K+ monthly
1-855-703-0806
For accidents, theft, or urgent safety issues
Your earnings percentage is based solely on the insurance you provide. BASIC (40%) uses our platform insurance, STANDARD (75%) requires P2P insurance like Getaround or similar, and PREMIUM (90%) requires commercial auto insurance. The more coverage you bring, the more you earn.
All tiers include $1M liability coverage. For STANDARD and PREMIUM tiers, your insurance is primary and our platform insurance serves as backup. We handle coordination with repair shops and provide loss-of-use compensation up to $50/day while your vehicle is being repaired.
Deductibles vary by tier: BASIC tier has a $2,500 deductible, STANDARD tier has a $1,500 deductible, and PREMIUM tier has a $1,000 deductible. Lower deductibles are a benefit of bringing your own insurance.
Every guest undergoes identity verification, driving record check, and background screening. For luxury vehicles, we require additional financial verification, higher age minimums, and larger security deposits.
Payments are processed within 48 hours of trip completion via direct deposit. Top Hosts get instant payouts. All payments include detailed breakdowns of earnings, fees, and any adjustments.
Our proprietary system tracks mileage between trips to verify hosts are using vehicles according to their declared usage type. This protects both hosts and our insurance partners by ensuring accurate risk assessment and preventing fraud.
Yes! All tiers include 24/7 roadside assistance during active rentals. This covers towing up to 50 miles, flat tire service, jump starts, lockout assistance, and fuel delivery.
Personal belongings are not covered by our protection plans. We recommend removing all personal items before each rental. Aftermarket accessories and custom modifications should be documented during onboarding.
Rejoignez la plateforme de protection d'hôtes la plus fiable d'Arizona avec une assurance complète et des revenus maximaux.
Protection provided through licensed third-party insurance carriers. Coverage amounts and availability subject to vehicle eligibility, location, and underwriter approval. ItWhip facilitates coverage but is not an insurance company. Protection applies only during active rental periods booked through our platform. Earnings estimates based on platform averages and not guaranteed. Individual results vary based on vehicle type, location, availability, seasonality, and market conditions. Tax benefits vary by individual situation - consult a tax professional. Payment timing subject to banking holidays and verification requirements. 48-hour payment applies to verified hosts with completed documentation. Vehicle eligibility requirements include age, condition, and safety standards. Guest screening includes third-party background checks but does not guarantee renter behavior. Platform features, benefits, and commission rates subject to terms of host agreement and may vary by market. Host tier benefits require maintaining qualification criteria. Support response times are targets, not guarantees. GPS tracking and telematics features require compatible hardware installation. Professional photography and other services may have additional fees in some markets. Reserve fund protection subject to platform terms and conditions. Luxury and exotic vehicle coverage may require additional verification and documentation. Commercial use outside platform prohibited. Personal insurance required for non-rental use. Business licenses and permits vary by jurisdiction - hosts responsible for compliance. Platform reserves right to modify terms, features, and pricing with notice. Arizona-specific regulations apply including Transaction Privilege Tax requirements. Airport and hotel partnerships vary by location. Not all features available in all markets. Elite host programs have specific qualification requirements. This information does not constitute legal, tax, or financial advice. All trademarks and partner references are property of their respective owners.