Insurance
Per-trip binder. Not a master policy.
Quiet miles sit on a binder in the driver’s name. Loud miles sit with Uber/Lyft/DoorDash. You keep title. Claims skip our ledger.
This is the structural difference from HyreCar: they wrote every car onto one master commercial policy, so claims anywhere in the book raised the cost of the whole book. We never hold that policy — each trip binds its own, in the driver’s name, so one bad claim doesn’t reprice the marketplace.
Period 1
Parked at your house
Your own auto policy
We are not on the claim
If you own the car. Keep whatever your lender already requires. Do not cancel it.
If you lease the seat. You are not in the car. Nothing to do.
Period 2
They have the keys. Gig app is off.
Per-trip binder: driver named insured, you additional insured
Lula / Tint / ABI. Grocery run, parked overnight, commute between gigs.
If you own the car. You pick the deductible: keep 85% at $3,000 or 75% at $500. Claims go to the carrier.
If you lease the seat. This slice is in the $25/day. The binder is in your name.
Period 3
Gig app is on
Uber, Lyft, or DoorDash pays first
We sit excess only. Those are the expensive miles.
If you own the car. A passenger collision is not supposed to hit your personal policy.
If you lease the seat. Upload that app’s insurance card. We do not replace Uber.
$25 is the whole day
Period 2 is reserved out of that number. Gas is never in it. Deposit is a $249 hold at pickup, not a daily add-on.
A partner still has to bind each trip
No unlock until Lula, Tint, or ABI returns a binder in the driver’s name. Proof cards are for that driver, not a cousin.
Not covered
Dings under six inches, tires, curb rash, keys, smoke, mechanical, lost use. Those sit with the person who had possession. Full list on Legal.
You never hand the car to someone who is not the named lessee. An extra driver voids the period and is a default.
GigRentals materials are product templates for an application process. They are not legal, tax, or insurance advice. A California attorney and a licensed broker must review any live program. Quotes are estimates. Applications are not offers. Inspection, underwriting, match, and countersignature are required before any vehicle changes hands.