Insurance Guide

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Insurance Made Simple

Everything you need to know about protection on ITWhip, explained in plain English.

$1M Liability Coverage

FNOL Ready

48-72hr Claims

How Insurance Works on ITWhip

We've built a transparent insurance system that puts you in control.

The Simple Version

When you list your car on ITWhip, you choose an insurance tier based on what coverage you bring to the table. The more insurance you provide, the more you earn from each rental.

Think of it like this: If we're handling all the insurance risk, we need a bigger cut to cover potential claims. But if you already have commercial insurance that covers rentals, we're sharing less risk—so you keep more money.

Tiered System

3 simple tiers based on the insurance you bring: 40%, 75%, or 90% earnings.

Primary/Secondary

Your insurance is primary when you bring it. Platform insurance backs you up.

Always Covered

No matter your tier, every rental includes $1M liability coverage.

The Three Insurance Tiers

Your earnings are determined by the insurance you bring. It's that simple.

BASIC TIER

40%

You Keep

No Insurance Required

We provide all the coverage

Platform Insurance Primary

We handle everything

$2,500 Deductible

Your max out-of-pocket

Best for: New hosts, occasional renters, or those without P2P-friendly insurance.

POPULAR

STANDARD TIER

75%

You Keep

P2P Insurance Required

You bring peer-to-peer coverage

Your Insurance Primary

Platform is backup

$1,500 Deductible

Lower out-of-pocket

Best for: Hosts with Getaround, State Farm P2P, or similar coverage.

PREMIUM TIER

90%

You Keep

Commercial Insurance Required

Full commercial auto policy

Your Insurance Primary

Platform is backup

$1,000 Deductible

Lowest out-of-pocket

Best for: Fleet operators, serious hosts, and those with commercial policies.

Real Earnings Example

Scenario	BASIC (40%)	STANDARD (75%)	PREMIUM (90%)
Trip Price: $100/day	$40	$75	$90
Monthly (15 days rented)	$600	$1,125	$1,350
Annual Projection	$7,200	$13,500	$16,200

* Based on $100/day rate with 15 rental days per month

Primary vs Secondary Insurance

Understanding which insurance pays first is crucial. Here's how it works.

What Does "Primary" Mean?

Primary insurance is the coverage that pays first when there's a claim. It's the "first responder" of insurance—the policy that steps up immediately.

Secondary insurance only kicks in after the primary coverage is exhausted or doesn't apply. Think of it as your backup safety net.

1BASIC Tier (40%)

PRIMARYPlatform Insurance

We handle everything. Our insurance is the first (and only) coverage that applies during rentals.

2STANDARD Tier (75%)

PRIMARYYour P2P Insurance

SECONDARYPlatform Insurance

Your P2P policy pays first. If it doesn't cover something or denies the claim, our platform insurance backs you up.

3PREMIUM Tier (90%)

PRIMARYYour Commercial Insurance

SECONDARYPlatform Insurance

Your commercial policy handles claims first. We provide backup coverage if needed.

The Complete Insurance Hierarchy

When a claim is filed, here's the order in which insurance coverage is applied:

Primary Coverage

Host's verified insurance (P2P or Commercial) OR Platform insurance if host has none

Secondary Coverage

Platform insurance (backup if primary denies or doesn't cover)

Tertiary Coverage

Guest's personal insurance (if they added and verified it)

Bringing Your Own Insurance

How to qualify for the 75% or 90% tier by adding your own coverage.

Step-by-Step Process

Get the Right Insurance

Not all insurance covers car sharing. You need either:

• P2P Insurance - Policies from providers like State Farm, Farmers, or specialty P2P insurers
• Commercial Auto Insurance - A policy that explicitly covers rental/livery use

Upload Your Documents

In your host dashboard, upload your insurance declaration page showing coverage limits, policy number, expiration date, and named insured.

Fleet Verification

Our team reviews your policy to confirm it covers P2P rentals or commercial use. This usually takes 1-2 business days.

Tier Upgrade

Once approved, your earnings tier automatically upgrades. You'll see the change in your dashboard immediately.

For 75% Tier (P2P Insurance)

Accepted Providers:

• State Farm (P2P endorsement)
• Farmers (rideshare/P2P coverage)
• USAA (car sharing endorsement)
• Allstate (peer economy endorsement)
• Liberty Mutual (livery coverage)
• Specialty P2P insurers

Minimum Coverage: $100K/$300K liability, comprehensive & collision

For 90% Tier (Commercial)

Requirements:

• Commercial auto policy
• Covers rental/livery use explicitly
• Named insured matches vehicle registration
• Active and valid through rental periods

Minimum Coverage: $500K/$1M liability, full comprehensive & collision, garage keeper's liability

Important: Personal Auto Policies

Most standard personal auto insurance policies do not cover car sharing. In fact, renting your car without proper coverage can void your personal policy entirely. Always check with your insurance provider or get a specific P2P/commercial endorsement.

What's Covered (and What's Not)

Complete breakdown of protection during rentals.

What IS Covered

Liability Coverage ($1M)

Bodily injury to third parties
Property damage to others
Legal defense costs
Medical payments (up to $5K)

Physical Damage (ACV)

Collision damage
Comprehensive (theft, vandalism, weather)
Hit-and-run damage
Animal collisions

Additional Benefits

Loss of use compensation ($30-50/day)
24/7 roadside assistance
Towing (up to 50 miles)
Uninsured/underinsured motorist

Roadside Services

Jump starts
Flat tire service
Lockout assistance
Fuel delivery (up to 3 gallons)

What is NOT Covered

Mechanical Issues

Mechanical or electrical breakdown
Normal wear and tear
Pre-existing damage
Manufacturing defects

Personal Property

Personal belongings in vehicle
Undocumented aftermarket accessories
Cash, jewelry, electronics
Cargo or transported goods

Driver Behavior

Intentional damage
DUI/DWI incidents
Racing or speed competitions
Unauthorized drivers

Prohibited Use

Off-platform commercial use
Rideshare (Uber/Lyft) while rented
Illegal activities
Border crossings without approval

How Deductibles Work

Your deductible is the amount you pay before coverage kicks in.

Plain English Explanation

Think of a deductible as your "skin in the game." If there's $3,000 in damage and you have a $1,500 deductible, you pay the first $1,500 and insurance covers the remaining $1,500.

Why do higher tiers have lower deductibles?

Because you're bringing more insurance to the table. When you have commercial insurance (90% tier), your insurer has already assessed you as a lower risk—so we can offer you a lower deductible.

BASIC (40%)

$2,500

Deductible

Platform handles all insurance

STANDARD (75%)

$1,500

Deductible

Your P2P insurance is primary

PREMIUM (90%)

$1,000

Deductible

Your commercial insurance is primary

40% Tier vs Bringing Your Own Insurance

40% Tier (BASIC): You don't need any insurance. We provide everything. But you keep less of each rental AND have a higher deductible ($2,500) if something goes wrong.

75%/90% Tier (STANDARD/PREMIUM): You bring your own coverage. You keep more money AND have lower deductibles ($1,500 or $1,000). Plus, your insurance likely has better service and faster claims because it's your policy.

Bottom Line: If you're serious about hosting and plan to rent frequently, getting P2P or commercial insurance almost always pays for itself through higher earnings and lower deductibles.

FNOL & FDCR: Our Claims Process

How we handle incidents from first report to resolution.

What is FNOL?

FNOL (First Notice of Loss) is the insurance industry term for the initial report you make when an incident occurs. It's the official start of the claims process.

On ITWhip, we've built an FNOL-ready system that captures all the information insurance carriers need right from the start. This means faster claims processing and fewer back-and-forth requests.

Our Claims Timeline

Immediate: Incident Report (FNOL)

Guest or host reports incident through the app. Photos, location, and description are captured automatically.

Within 24 Hours: Initial Review

Our team reviews the claim, verifies coverage, and contacts all parties. We gather additional documentation if needed.

24-48 Hours: FDCR Documentation

FDCR (Full Documentation & Claims Report) is compiled with trip data, mileage forensics, photos, and guest/host statements.

48-72 Hours: Resolution

Claim approved/denied, repair estimates provided, and payout processed. For complex claims, this may extend to 5-7 days.

What We Collect for FNOL

Damage photos with GPS/timestamp metadata
Written incident description
Pre-trip and post-trip vehicle condition
Trip details (dates, mileage, booking info)
Third-party information (if applicable)

FDCR Includes

Mileage Forensics™ usage verification
Insurance hierarchy documentation
Complete trip timeline
Host ESG/compliance status
Guest verification records

What Happens If Your Insurance Lapses?

Important information for hosts in the 75% and 90% tiers.

This Is Serious

If you're in the 75% or 90% tier and your insurance expires, lapses, or is cancelled—you're no longer eligible for that tier. Here's what happens:

If Your Insurance Lapses

Immediate Tier Downgrade

You'll automatically drop to the 40% BASIC tier until you provide valid insurance again.

Higher Deductible Applies

Any claims during the lapse period will be subject to the $2,500 BASIC deductible, not your previous lower amount.

Earnings Impact

All rentals during the lapse earn at the 40% rate, not your previous tier rate. This applies to any trips that start during the lapse.

Vehicle May Be Paused

For extended lapses (30+ days), your vehicle listing may be temporarily paused until insurance is restored.

How to Avoid This

• Set calendar reminders for renewal dates
• Enable auto-pay with your insurance carrier
• Update your ITWhip profile when you renew
• Keep digital copies of your documents ready
• Notify us 30 days before expiration

How to Restore Your Tier

• Get your insurance reinstated or renewed
• Upload new declaration page to your profile
• Submit for fleet verification
• Once approved, tier restores immediately
• Future rentals earn at your proper rate

We Track Expirations

Our system monitors your insurance expiration dates. You'll receive reminders at 60 days, 30 days, 14 days, and 7 days before expiration. We want you to stay in your highest earning tier—it's better for everyone.

Guest Insurance Options

What renters need to know about protection during trips.

For Guests: You're Already Covered

Every rental on ITWhip includes $1M liability coverage. As a guest, you don't need to bring your own insurance to rent—but you can add it for extra benefits.

Without Personal Insurance

$1M liability coverage included
Physical damage protection
24/7 roadside assistance
Full security deposit required

With Personal Insurance Added

All standard coverage included
50% off security deposit
Your insurance as tertiary backup
Faster claim resolution

How Guests Add Insurance

1. Go to your guest profile settings
2. Upload your personal auto insurance declaration page
3. Our team verifies it covers rental vehicles
4. Once approved, you get 50% off all future deposits

Note: Your personal insurance must explicitly cover rental vehicles. Many policies exclude P2P rentals—check with your carrier first.

Frequently Asked Questions

Ready to Start Hosting?

Choose your tier and start earning with confidence.

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Important Information

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. Physical damage reimbursement is contractual allocation of risk, not insurance. Deductibles and coverage limits are subject to change. Individual insurance requirements and coverage may vary. Consult with your personal insurance provider before participating in car sharing. FNOL and claims processes are subject to documentation requirements and may vary based on incident complexity. Insurance tier eligibility requires fleet verification of provided documentation. Lapsed insurance results in automatic tier downgrade. Platform reserves right to modify terms, features, and tier requirements with notice. Arizona-specific regulations apply. This information does not constitute insurance, legal, or financial advice.