How does the insurance coverage work?

Overview:

Even the most skilled drivers may find themselves in a road mishap with Flexcar. Whether it's a minor parking bump or a more serious collision, here are the essentials to understand about your coverage.

 

Reporting

Should your Flexcar sustain damage or cause harm to others or their property, it's crucial to promptly reach out to our Customer Care Team to initiate a claim. This applies to any vehicle damage or harm, regardless of whether you were present or behind the wheel when it occurred. Contact the Customer Care Team here.

 

Damage to Other Property and Injuries to Others

Sometimes a car crash can lead to damaging property or injuring people. If you are in full compliance with the Subscriber Agreement and good standing, Flexcar will extend secondary liability protection for you and any authorized driver up to state minimums in the jurisdiction where the incident occurs.

This liability coverage is secondary to your insurance and may help provide additional coverage for drivers who are facing third-party claims of bodily injury, death or property damage that occurred while driving a Flexcar vehicle.

For additional information on insurance coverage and limits, please refer to the Subscriber Agreement.

 

Damage to The Flexcar Vehicle

Subscribers that comply fully with our Subscriber Agreement will be billed a maximum of $2,000 following damage to a Flexcar vehicle. If Flexcar’s cost to repair the vehicle is less than $2,000, then subscribers will be billed only the actual cost to repair the vehicle. Assuming the subscribers are in compliance with our Subscriber Agreement, Flexcar will waive all of the subscribers’ responsibility for costs or damage for the vehicle itself that is above $2,000.

If you were not complying fully with the Subscriber Agreement at the time of the incident that resulted in damage to the vehicle, you are not eligible for this $2,000 damage cap and are responsible for the full cost of the damage to the Flexcar vehicle. Common ways that a driver may be in violation of the Subscriber Agreement are:

  • Letting an unauthorized driver drive
  • Driving recklessly
  • Not reporting the accident or damage
  • Not completing an incident report after an accident
  • Providing false information about the accident
  • Driving while texting or emailing
  • Leaving the vehicle unsupervised and unlocked

 

Please see Section 4 of the Subscriber Agreement for more information on the rules of Flexcar vehicle use and other violations of the Subscriber Agreement.

 

Coverage Details by State

 

Market Flexcar Insurance Coverage*
Georgia

 

Liability insurance

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage per accident

 

Damage to the Flexcar Vehicle

  • Customer owes up to $2,000 deductible. Flexcar covers the rest
Massachusetts

 

Liability insurance

  • $20,000 bodily injury per person
  • $40,000 bodily injury per accident
  • $5,000 property damage per accident

 

Additional coverage

  • $20,000 uninsured motorist bodily injury per person
  • $40,000 uninsured motorist bodily injury per accident
  • $8,000 personal injury protection

 

Damage to the Flexcar Vehicle

  • Customer owes up to $2,000 deductible. Flexcar covers the rest
North Carolina

 

Liability insurance

  • $30,000 bodily injury per person
  • $60,000 bodily injury per accident
  • $25,000 property damage per accident

 

Additional coverage

  • $30,000 uninsured motorist bodily injury per person
  • $60,000 uninsured motorist bodily injury per accident

 

Damage to the Flexcar Vehicle

  • Customer owes up to $2,000 deductible. Flexcar covers the rest
Tennessee

 

Liability insurance

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage per accident

 

Damage to the Flexcar Vehicle

  • Customer owes up to $2,000 deductible. Flexcar covers the rest

*Coverages listed assume subscriber is in full compliance with the Subscriber Agreement. Subscribers who do not comply fully with the Subscriber Agreement may be responsible for additional costs over and above the deductible

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