This is a general description of insurance information only and is not meant to change or replace the actual insurance policy. For a complete explanation of the insurance provided, please refer to the actual insurance policy.
1. Automobile Third Party Liability coverage:
- Insurance Coverage is provided up to $300,000 CSL per accident while under a Hyrecar Business “contract” rent/lease agreement.
- The Hyrecar Insurance provides NO Insurance Coverage while a “Transportation Network Company” (TNC) is providing the Insurance Coverage.
- There is NO Hyrecar Insurance Coverage provided unless the Hyrecar business auto rental/lease agreement is in force.
- Hyrecar Insurance Coverage is only provided for the Hyrecar contracted driver while under contract with Hyrecar to rent/lease the vehicle. No other permissive drivers or operators are covered under the Hyrecar Insurance policy.
- Uninsured/Underinsured (UM/UIM) and Personal Injury Protection (no fault PIP) are included only at statutory basic limits and only where required by law. UM/UIM & PIP are excluded in all states where permissible by law.
- An Automobile Owner that is contractually engaged with Hyrecar to rent/lease their vehicle to a “TNC” driver will be reimbursed for any damage to such vehicle while it is on an active Hyrecar agreement. Damages are subject to the actual cash value (ACV) of the vehicle. Damages are limited to not more than the Actual Cash Value or a maximum of $25,000 per claim, whichever is less; subject to a deductible. (See the terms of the Insurance policy for a complete description).
- Normal wear and tear is not covered by any insurance.
HyreCar is not responsible for clutch or transmission replacements under any circumstances. None of above affects the basic principle that a renter must be proficient in use of a clutch, or they may be held liable for costs associated with the resulting damage to an owner’s car. However HyreCar will not be involved in any collection of costs for replacement of a clutch or transmission so if you feel the renter doesn’t know how to use a clutch, it is your responsibility to cancel the reservation and not rent them the vehicle.
Damage during a rental is rare, but when it does happen, HyreCar strives to make the claims process as smooth as possible. HyreCar will collect any amounts from the renter to cover damages or file the necessary claims with the insurance carrier. Renters are responsible for a $550 claims processing fee and insurance deductible; unless the owner decides that they do not want to process a claim through HyreCar. All rentals include liability insurance based on the minimum state requirements and TNC minimum insurance requirements. However renters are financially responsible for physical damage to the owner’s vehicle regardless of insurance coverage. That means if, for some reason, the insurance doesn’t cover the full cost of damages, the renter is liable for any discrepancies. This protection doesn’t provide limitation if they’ve violated the Terms of Service, violated the insurance policy, created interior damage, or misused the vehicle..
1: If damage occurs during the rental period, the renter must report the damage to the owner and HyreCar within 1hr-2hrs of accident. They should open a new claim at support@HyreCar.com, and provide pictures, a detailed description of incident, and the relevant information of all involved parties (names, contact information, insurance policy information, police information, etc.). Renter is also required to provide the details if their ride sharing apps (Uber/Lyft and others) were switched on and/or they were seeking riders and/or if rider was in car. Renter should also never reveal the policy coverage details and Let the law enforcement provide the report number.
2: If an owner discovers damage, they must report a claim to HyreCar immediately at the end of reservation in order to be eligible for coverage. They should open a new claim by emailing support@HyreCar.com, and provide pictures and a detailed description of the incident. The photographs must be taken within the first hour and must be included for the claim to be eligible for coverage. In the case that the owner has met the renter to pick up the vehicle, the owner must notify HyreCar in writing immediately before the vehicle is moved to ensure the damage was actually caused by renter. Owners should always have the Pre-Rental Checklist completed and signed by all parties to further confirm the renter caused the damage. Failure to do so may violate the insurance requirements.
3. HyreCar will review the information to confirm it meets coverage eligibility, (e.g., that the damage is neither pre-existing, nor "wear and tear", and that it has been reported by the owner as described in item #2 above). Both the renter and owner should expect to receive a response as soon as possible, usually within 24 hours of submitting the relevant information.
4. Once a claim is determined to be eligible, HyreCar will begin the claims process. HyreCar has a network of body shops which can accurately assess the damage and will perform all identified repairs.
5. HyreCar always stands ready to process an eligible claim, in which case the renter will be subject to a nonrefundable $550 processing fee and eligible deductible. If there are no other parties involved, and the amount of damage in question is relatively small (e.g., chipped windshield, broken window or mirror, bumper scratch) the owner may choose to work out repairs with renter directly. This will save the renter the $550 processing fee. If the owner determines that he or she does not wish to have the claim processed by HyreCar, the owner must notify HyreCar in writing. Once this decision is communicated, HyreCar will release any payment assessed to the renter, and HyreCar will no longer have any obligation to the owner related to the claim.
6. If owner elects to have the claim processed (or it is obvious from the nature of the circumstances that it must be processed, e.g., there is a third party involved), HyreCar will submit previously collected information to renter’s insurance carrier. The insurance provider will completely take over managing the claim at this point; reaching out to all parties, collecting additional information as needed.
7. In the case of a collision, until a third party has accepted full responsibility and wholly satisfied all financial obligations relating to the incident, the renter remains responsible for 100% of the costs associated with the damage to the vehicle; these costs may be limited depending on the level of insurance. HyreCar will charge any remaining balance after the extent of the damage has been determined by estimate or appraisal.
Normal “wear and tear” that is part of the normal operation of a vehicle is an inherent part of renting a car; the owner is not “protected” against normal wear and tear, nor is the renter “responsible” for wear and tear resulting for normal usage of the car. Wear and tear may include engine wear, brake and suspension wear, weathering of the paint or minor scuffing of the interior surfaces, as well as small (less than 3 inches in length) nicks, scratches, abrasions or dents to the exterior (including wheels) normally associated with street parking, shopping cart bumps, and the like.
However, renters are fully responsible for, and the insurance carrier may not provide protection to renters for 1) any damage related to “misuse”, prohibited, reckless or illegal use of a vehicle, 2) any damage to the interior of the car, or 3) any mechanical damage resulting from a renter’s improper driving (e.g, clutch damage from rough driving, suspension damage from running over speed bumps at high speed or into curbs, continuing to drive with warning indicator lights illuminated, etc).
No, only original items, permanently installed by the manufacturer are eligible for coverage. Examples of items which are not covered: bike racks, ski racks, aftermarket wheels, aftermarket radios, radar detectors, third-party GPS units. Furthermore, personal items are not covered for theft, misuse, or damage.
As referenced in our Terms of Service, HyreCar members are entitled to the minimum limits required by law (in some states, this minimum amount is zero). HyreCar has, on behalf of members, subscribed to the lowest limit allowable by state law or city ordinance unless otherwise requested by owner, and members are bound by such election and agree to be so bound. Specifics vary by state, and by accepting our Terms of Service, you agree to waive, to the maximum extent permitted by law, any Uninsured/Underinsured Motorist, PIP, No-Fault or similar coverage.
HyreCar provides drivers with insurance to protect owners, renters and third parties. HyreCar’s coverage when ride sharing app is not switched on and/or rider is not in rented car.
Liability Insurance is obtained for each renter who rents a non-livery vehicle on the HyreCar platform. The policy meets the state’s minimum requirements during the rental period. Livery vehicles maintain their own policy through the fleet owner. The liability policy for non-livery follows the vehicle.
Liability insurance is issued in the renter’s name and is included in all rentals. However renters are still responsible for any damages regardless of insurance coverage. Coverage excludes any damage during the delivery period, all pre-existing damage, normal “wear and tear” of the vehicle, aftermarket items, and any personal items left in the car.
The renter is responsible to return the car on time and in essentially the same condition it was in when they first received it. If there is damage to the car at the end of the reservation, unless the renter has notified HyreCar of pre-existing damage by e-mailing pictures and a description to firstname.lastname@example.org at the start of the reservation, or has documented an agreement with the owner regarding pre-existing damage by using our “Pre-Rental Checklist” or similar means, the renter is primarily responsible for all damage. Any physical damage protection that insurance or HyreCar may offer is “secondary” or “supplemental” to renter’s obligations.
All insurance policies include a $1,000 deductible (unless a state minimum requirement is lower). In the case that insurance covers an incident or the incident is less than $1,000, the renter will remain primarily responsible for any shortage in coverage such as deductibles.
Please note, the deductible does not waive the renter’s liability of being primarily responsible for all damages.
For HyreCar’s insurance coverage, if the renter has violated the Terms of Service, engaged in any Prohibited Uses or otherwise intentionally, recklessly, or with wanton disregard, misused the car, the deductible limits described above will not apply and the renter will be liable for all physical damage up to the actual cash value of the car, in addition to all Related Costs. Furthermore, if the renter causes damage to the interior of the vehicle or causes mechanical damage (not normal “wear and tear”), the protections described above does not apply, and the renter will be liable for the full cost of the repairs or replacement, as well as Related Costs.
"Related Costs" may include all costs and fees permitted by law, including but not limited to, estimation or appraisal costs, storage fees, towing fees, repair or replacement costs, registration or transfer taxes, claims processing costs and all similar or associated costs, minus any residual salvage value that is collected. Claims processing costs by HyreCar is $550 per claim and applicable deductible. This is an administrative cost and does not go towards the damages. If a third party accepts total fault for the claim and that third party’s insurer processes it on behalf of the owner without substantial processing by HyreCar, the renter will be refunded the claims processing fee.
HyreCar’s insurance coverage is “supplemental” or “secondary” to any existing coverage the renter may have available through other sources (whether through a credit card, personal automobile, or other policy). In practice, this means that the renter is primarily liable, but can satisfy their obligations through these other sources, such that HyreCar will first collect the relevant deductible directly from the renter to pay towards the repairs or replacement cost.
If you have additional questions regarding selecting among these options, please consult your insurance professional, or contact us at support@HyreCar.com, and we will direct you to a broker.
At the time of reservation, the owner and renter should walk around the car and agree on any pre-existing damage, as well as the general condition of the car. Damage present at the end of the reservation is presumed to be the responsibility of the renter, so the renter should document any pre-existing damage at the beginning of the reservation by emailing photos to the support@HyreCar.com.
At the time of return, the owner and renter should do another walk around the car and agree that the car was returned in the same condition. If there is any new damage, it is the renter’s responsibility. The renter and owner should discuss whether it merits reporting to HyreCar, or if it sufficiently minor that something can be worked out between the owner and the renter. If the owner believes that they might want to pursue a claim, they must report it to HyreCar at support@HyreCar.com within 12 hours of the end of reservation or it will not be eligible for processing by HyreCar. The claim will also not be eligible for processing if the owner does not submit photographs of the documentation and if the photographs submitted were taken more than 12 hours after the rental has been completed.
Accidents: Must be reported immediately. The renter must file a police report and provide the report number when available.
Owners of vehicles that charge additional fees to drivers outside of the HyreCar platform are in violation of the HyreCar Terms of Service and are subject to immediate deactivation and invalidate the insurance coverage procured through HyreCar.
HyreCar allows owners to deliver vehicles to renters at locations identified by the renters. Owners may charge a fee of their choice for the service. Owners personal insurance is in effect during any delivery of a vehicle to a renter.
All delivery payments can and must be made through the HyreCar reservation payment process, as integrated into the apps and website. HyreCar does not support payments made outside of the HyreCar platform, and engaging in such transactions may result in a suspension of your membership, and reduce or invalidate insurance coverage.
HyreCar charges by the day, week and month for vehicle rentals. You can still arrange pick-up and drop-offs at any time, but the smallest unit charged is a day. The renter may extend a rental prior to drop-off however if a renter returns a vehicle over 2 hours late, they will be charged for another day plus late fees. For each hour (or increment of) after the confirmed drop off time, the renter is charged $50 per hour up to 2 hours. To be clear, the car must be returned at the scheduled return time. Failure to do so, unless an extension is booked, will result in substantial late fees and auto extensions.
Total daily trip cost (rental price, processing fee, and insurance) is $34/day.
a. Renter books a trip to start Friday at 5 pm and end Sunday at 5 pm.
Trip total: $68 (2 days).
b. Renter books a trip to start Friday at 5 pm and end Sunday at 5 pm but returns it at 7 pm.
Trip total: still $68.
c. Renter books a trip to start Friday at 5 pm and end Sunday at 5 pm but returns it at 7:15 pm.
Trip total: $152, since now it’s 3 days plus $50 late fees.
Example 2: Extension scenarios
a. This same renter from 1.a. realizes at noon on Sunday that they won’t be back until 5 pm. The renter needs to request an extension -- and if approved by the owner, book the extension before the current trip ends -- for this additional time. The car needs to be back at 5 pm.
Extension costs an additional $34; trip total: $102
b. The same renter realizes at noon they won’t return until 9 pm. The renter must request and book the extension to 9 pm, and return the car at 9.
Extension costs $34; trip total: $102, as in 2.a.
Example 3: Late return
The same renter from 2.a. (scheduled to return at 5 pm) realizes at noon they that won’t be back until 7 pm, but does not successfully book an extension. They return the car at 7.01 pm. This inconveniences and concerns the owner, may impact future renters, and will reduce or invalidate the protection that the renter previously selected.
Late fee: $50 (each hour @ $50/hour); trip total $118.
Our office is open seven days a week, from 10 am to 5 pm Pacific time. We strive to respond to your e-mails within one business day.
Outside of these hours you may still call our office and if an emergency, someone will respond within shortest time permissible. Outside office hours, email at email@example.com and leave the detailed voice message so that someone will get back to you.
Renters are responsible for replacing any gas used during the rental, using the appropriate fuel (i.e., regular, premium, or diesel).
If a car is returned with less gas than when it was picked up, in order to seek reimbursement, the owner should report the cost of replacing the shortage to the renter and support@HyreCar.com within 2 hours, including a receipt, and the renter will be charged for the cost, plus an inconvenience fee of $50. Photographs of the receipt and photographs of the fuel levels must be included and must have been taken within the first 2 hours of the end of the trip or if a pick up location prior to the vehicle being moved.
We recommend that owners keep the tank full in order to make it easier for everyone to determine how much gas the renter should refill. Renters should keep gas receipts for at least 5 days in case there is any dispute by the owner.
Owners are counting on renters to return the car at the originally scheduled time; failure to do so can result in significant inconvenience and stress for the owner. Please be considerate and return the car on time, and if there is any chance there will be a late return, contact the owner immediately to request an extension. If an extension cannot be booked (whether because the owner or car are unavailable, there are insufficient funds, or otherwise), the renter must return the car at the originally scheduled end time. Please note that, insurance policy will be automatically void unless extension is requested and approved. Renter will be fully responsible for all claims.
To assess a late fee for the day, the owner should e-mail support@HyreCar.com within 12 hours of the scheduled end of the reservation, identifying the renter’s name, and the time the vehicle was returned. If the renter disputes the timing, they should provide evidence indicating when the car was actually returned.
Late fees charged to the renter are described on our fees and fines page, and begin to accrue the minute that the car is late. They are billed in increments of an hour (i.e., if the renter is 15 minutes late, they are responsible for the first hour's late fee, and not 1/4 of that late fee). In the event of very substantial lateness, additional fines may be assessed.
Once a trip has been booked, any extension is treated as a new trip. The renter must request this extension from the owner through the regular trip extension process on the website or mobile app. When the owner accepts, the extension will be automatically booked.
For example, if a renter books a trip for 4 days and later successfully books an extension for an additional 3 days, the renter will be charged first for a 4 day trip, and then for a 3 day trip (and not for a week trip).
The minimum charge for any extension is the total daily rate for the listing, so be sure to plan accordingly when making your initial booking for a trip. More details are available at our daily pricing page.
Renters must place a request for an extension through their app or on the website or mobile app, sufficiently early (at least 4 hrs) before the trip ends so that the owner is able to approve or deny the extension. Renters are encouraged to contact the owner by phone to alert them to the request to enhance the timing of a response. Extension requests expire at the earlier of 1) 24 hours from the time the request is made and 2) the end of the current booked trip.
The renter will be unable to book a trip extension if there are insufficient funds, or another renter has booked the vehicle. If a trip is not extended and the vehicle is kept beyond the scheduled trip end time, the any protection purchased may be voided for any damage that occurs to the vehicle, and the renter will be subject to significant late fees.
Renters are responsible for the safe and legal parking of a rental vehicle during the rental period, and to return the vehicle to a safe and legal parking spot where it will not be subject to ticketing or towing for a period of 24 hours after the end of a reservation.
Any tickets or towing charges incurred during the rental, or within 24 hours after the end of the reservation as a result of the renter's parking, will be the responsibility of the renter. We may release all of renter’s information on file to ticket issuing authority and will charge handling fees of $100 plus cost of ticket. If a car is towed while rented, renter will be charged handling fees of $200 + tow release fees charged by tow company.
Things to keep in mind when street parking at the end of a reservation:
- Avoid tow-zones and permit parking zones that may result in the vehicle being ticketed or towed.
- Look out for street cleaning signs
- Be careful with metered parking -- if there is a time limit, an owner may not be able to retrieve the vehicle before a ticket is issued.
Renters may cancel their trip through our site or mobile app, and the cancellation is effective immediately. The total amount refunded will depend on when the renter cancels the trip, and varies by fee component (Rental Price, Processing Fee, Insurance Fee, and if applicable).
There are no credits/refunds issued for early returns.
Rental Prices and Processing Fee
Renters will receive a full refund minus $10 if they cancel before the owner approves the pending trip.
The Rental Fee is non-refundable once an hour has elapsed from the time the trip is booked (i.e., when the owner approves the pending trip).
Renters will receive a full refund minus $10 if they cancel before the owner approves the pending trip.
The Insurance Fee is fully refunded if the trip is cancelled before the day of the rental.
Young Renter Fee
The Young Renter Fee is fully refunded if the trip is cancelled before it starts.
If an owner wishes to cancel a booked trip, they must notify the renter via on-site messaging at least 72 hours in advance, and contact us at support@HyreCar.com to indicate their desire to do so. Renters are counting on owners to provide the vehicle; so repeated cancellations will subject the owner to removal from the marketplace.
If an owner's car is towed to an impound lot as a result of renter misuse, HyreCar will provide the owner with all information the owner requests so they can retrieve the car in accordance with the requirements of the lot or related governmental entity. The renter will be held responsible for all fees associated with the tow and impound along with inconvenience fees not limited to a minimum of $200 + tow charges.
However if the vehicle is towed due to owner’s negligence, such as expired registration or multiple parking tickets, the renter is not responsible for the tow and impound costs.
Renters are responsible for paying all toll fees incurred during their use of a rental. Failure to pay a toll properly will result in an administrative fee in addition to any charges associated with paying the toll fee. You can find more information about fees and fines here.
In the case that there is an all-electronic tollway with no way to pay manually (i.e., Golden Gate Bridge), it is the responsibility of the renter to reimburse the owner directly or to inform HyreCar so the proper fee can be added to the rental charges. Failure to do so will result in an additional fee.
It is the responsibility of the renter to pay all tickets for actions occurring during the reservation period. Furthermore, the renter is also responsible for all parking tickets/fines received up to 24 hours after the end of the reservation, if that parking ticket was due to the renter’s improper parking. The renter should notify the owner if the renter receives a ticket during their rental period and, so long as it is not a photo ticket, should pay the full cost immediately.
If an owner notifies HyreCar of a ticket received during the rental period (or during the period 24 hours thereafter), the renter will be charged immediately for the full cost of the ticket plus any related fees.
*If the ticket is for a moving violation captured by a camera, and the owner receives a ticket in the mail, HyreCar will provide the necessary information to the owner in order to allow the owner to contest the violation and transfer the liability to the renter. While the processes to contest or transfer these tickets vary by jurisdiction, the owner typically would complete an affidavit of non-liability in order to request it be removed from their record and transferred to the renter’s.
When renting street parked cars, i.e. cars that do not have a dedicated parking space, renters must ensure that the vehicle is parked in a legal space for at least 24 hours following your trip. No meters, colored curb cuts, street sweeping, time limits, etc. It is the renter's responsibility to carefully check all the signs up and down the street from where the car is parked to ensure the spot are valid for at least 24 hours. If the vehicle is towed and/or ticketed within 24 hours of the car being returned, the renter will be responsible for the towing fee, any applicable tickets that were received, and an administration fee up to $100.
*HyreCar reserves the right to charge an administration or inconvenience fee, plus any costs incurred by HyreCar, for categories not explicitly noted above.
Renters are relying on owners to be on time with a reliable vehicle.
If, as an owner, your car becomes unavailable, we ask that you alert the renter as soon as you become aware of this situation, and at least 72 hours before the start of the reservation. Please also alert us at support@HyreCar.com immediately, so that we can cancel the reservation in our system.
Failure of the owner to timely alert the renter and HyreCar will subject the owner to a minimum $50 fine. If an owner repeatedly cancels reservations that have already been booked by your renters, the vehicle may be removed from the marketplace.
HyreCar may collect anonymous data from renter by using HyreCar’s mobile app. Renter acknowledge that they will keep HyreCar’s app switched on so that HyreCar can receive data on renter’s driving behavior. If HyreCar’s system receives the sign of rash/reckless driving then HyreCar might report the situation to car owner or reclaim the car. In this situation, car must be turned back ASAP and insurance policy will be cancelled and renter will be fully responsible for all damage.
HyreCar will send renter’s information to collection agencies in the event of non-payment or unable to collect the payment. HyreCar or HyreCar’s partnering collection agency might also report to credit bureaus and auto insurance clue database. This might impact your credit report and any future auto insurance policies.
Renters are obligated to respond to HyreCar’s phone/email and/or car owner’s phone/email and/or HyreCar’s authorized insurance agents. In the event of HyreCar/Car Owner is unable to reach you and HyreCar is unable to charge your payment card on file, car will be pre-assumed as stolen and will be reported to police. A new insurance claim will be opened and will be entered into national insurance claim database. Any unrecovered amount will be turned back to collection agencies.
Terms of Service
- Permitting someone who is not an approved HyreCar renter to drive a HyreCar vehicle.
- Driving a manual transmission car without being expert in the use of clutches and manual transmissions. Note: If the drive train of a manual transmission car is damaged, the renter will be presumed to be at fault and will be held fully liable for repair of any damaged components of the car, with the clutch-related costs further detailed in this entry support.HyreCar.com
- Allowing the HyreCar vehicle to be pushed or towed by anyone other than an authorized law enforcement or service vehicle.
- Using a HyreCar vehicle to: to tow or push anything, other than on paved roads (whether "off-roading", driving on unimproved roads or parking areas, or otherwise), in any race, test, or competition, with the intention to cause damage, or with wanton, willful, or reckless disregard for safety, unless a reservation has been booked. Using HyreCar vehicles without reservations or outside your reservation time constitutes unauthorized use, during or due to use in the commission of a crime or any other illegal activity or purpose, o while the renter is under the influence of alcohol above the legal limit or any drug or medication under the effects of which the operation of a vehicle is prohibited or not recommended, when it has been loaded beyond its rated capacity or with more passengers than the vehicle has seat belts, outside the 50 United States; or without a valid license, or if you do not meet our Eligibility Requirements. It is your responsibility to inform us when your license is expired or suspended, or if you believe you may no longer meet our Eligibility Requirements, to transport any flammable, toxic, volatile, poisonous, dangerous or illegal substances, to transport a pet outside of a pet carrier that keeps all pet hair inside the carrier.
- Making any alterations, additions or improvements to any vehicle.
- Fueling a HyreCar vehicle with an improper type of fuel.