Additional insurance and liability for the car damage

Let's look at a question that concerns many carsharing users: what liability applies in the event of a traffic accident, and how can you reduce potential expenses if the car is damaged?

If you are involved in a traffic accident while using a Getmancar car, do not panic and follow the correct procedure:

• stop the car and stay at the scene of the accident;
• do not move the car or objects related to the accident until the police arrive;
• inform Getmancar support about the accident;
• call the police at the operator's instruction;
• record the details of the other participants in the accident;
• if possible, take photos of the accident scene and the damage to the car;
• wait for the police and Getmancar representatives if required;
• undergo a medical examination for alcohol or drug intoxication;
• obtain the documents related to the accident and provide them to a Getmancar representative no later than the following day.

Important: do not leave the scene of the accident and do not settle the accident yourself using the European Accident Statement (europrotocol) without police involvement.

Insurance in carsharing

Getmancar cars are insured with a limitation of the user's liability. The standard maximum liability of the user for damage to the car is UAH 60,000.

If the amount of damage exceeds UAH 100,000, an additional 25% of the amount exceeding UAH 100,000 is added to the liability.

For example, if the damage amounts to UAH 120,000, the user's standard liability will be:

UAH 60,000 + 25% of UAH 20,000 = UAH 65,000.

The liability limitation applies provided that the user complies with the terms of the public offer agreement and the accident reporting procedure.

In cases specified in the agreement, the liability limitation does not apply, and the user may be liable for the damage caused in full.

Additional insurance

The service offers an additional liability reduction option. It allows you to reduce the user's standard maximum liability to UAH 12,000.

The service is purchased separately for each trip and applies provided that the requirements of the public offer agreement are met.

If the amount of damage does not exceed UAH 100,000, the maximum liability with the liability reduction option is UAH 12,000.

If the amount of damage exceeds UAH 100,000, an additional 25% of the part exceeding UAH 100,000 is added to this amount.

For example, if the damage amounts to UAH 120,000, the liability with the reduction option will be:

UAH 12,000 + 25% of UAH 20,000 = UAH 17,000.

How does supplementary insurance work?

Let's look at several examples.

If the car is damaged by UAH 3,000, the user pays UAH 3,000 both with the standard liability limitation and with the liability reduction option.

If the damage amounts to UAH 15,000, the user pays UAH 15,000 with the standard liability limitation and UAH 12,000 with the liability reduction option.

If the damage amounts to UAH 60,000, the user's standard liability is UAH 60,000, while with the liability reduction option it is UAH 12,000.

If the damage amounts to UAH 120,000, the standard liability is UAH 65,000, while with the liability reduction option it is UAH 17,000.

Therefore, liability reduction can significantly reduce the amount you may have to pay if the car is damaged.

How can you get additional insurance?

The liability reduction option can be purchased separately for each trip.

To do so:

1. Open the Getmancar app settings.
2. Enable the feature related to insurance or liability reduction.
3. Before booking a car, check the liability reduction offer.
4. If you want to use the service, activate it before starting your trip.

Please note: the current price and availability of the service are displayed in the app when booking a trip.

How much does additional insurance cost?

The cost of liability reduction depends on the selected tariff plan and class of the car. The liability reduction card shows the cost for each car and rate.

Minute plan

In the minute tariff you pay only during the trip, the reservation and waiting time is not charged.

Hourly rate

The cost of additional insurance in a subscription is charged by the hour.

Daily tariff

The cost is indicated per day, if you have rented a car for several days and have chosen a liability reduction service, then the insurance is purchased for all days of rent.

Payment for additional insurance is made together with the amount of the trip after the completion of the rental car.

When does the liability limitation apply?

The standard and additional liability limitations apply provided that the user complies with the requirements of the public offer agreement.

In the event of an accident, you must:

• remain at the scene of the accident;
• inform Getmancar support about the accident;
• call the police at the operator's instruction;
• wait for the accident to be officially documented;
• provide the required documents;
• undergo a medical examination for intoxication;
• comply with the lawful requirements of the police and Getmancar representatives.

If the user follows the required procedure, the liability limitations specified in the agreement apply.

When does additional insurance not apply?

There are situations in which the standard and additional liability limitations do not apply. In such cases, the user may be liable for the damage caused in full.

These situations may include:

1. The user left the scene of the accident or failed to properly report or document the accident.
2. The user was under the influence of alcohol, drugs or other substances that affect their ability to drive.
3. The user refused to undergo the required medical examination.
4. The user allowed another person to drive the car.
5. The car was intentionally damaged.
6. The user failed to notify Getmancar support about the damage or accident within the required time.
7. A wheel was damaged, including as a result of a punctured or cut tire.
8. A hydrostatic lock occurred or the car was otherwise damaged as a result of water entering the engine.
9. The car was used for racing, testing, driving lessons, taxi services, ride-hailing, delivery or other purposes not permitted under the service terms.
10. The user failed to comply with lawful requirements of the police or other competent authorities.
11. The damage or other incident occurred under circumstances that, according to the agreement, result in full liability of the user.
12. The driver committed a serious traffic violation in the cases specified in the agreement.

The complete list of such cases and the applicable liability conditions are set out in the current Getmancar public offer agreement.

When can I not buy extra insurance?

Liability reduction is an optional service, so each user can decide whether they want it for a particular trip.

If you are an experienced driver and are prepared to bear the standard liability within the limits specified in the agreement, you may choose not to purchase the additional service.

If you want to reduce your potential expenses in the event of an accident or damage to the car, you can activate liability reduction before your trip.

Keep in mind that liability reduction does not release you from the obligation to follow the service rules, traffic regulations and the terms of the agreement. In the cases specified in the agreement, the service does not apply.

Be responsible on the road, follow the rules and take care of yourself!

If you still have questions, email us at info@getmancar.com.ua