Insurance Disclosure
US market disclosure. This page explains, plainly, what Carvia's contractual vehicle-damage program is, what it isn't, and what still depends on a licensed insurance carrier.
1. Where things stand today
Carvia does not yet have a signed agreement with a licensed insurance carrier.
That means carrier-backed third-party bodily-injury and property-damage liability coverage is not active. It does not mean the damage-responsibility terms between Carvia, a host, and a guest are insurance. Those contractual terms are described in the Protection Plans Terms and apply only to eligible vehicle-damage claims under those terms.
Until a carrier agreement is active:
- Carvia's host and guest damage-responsibility figures are contractual caps for eligible damage to the booked vehicle; they are not insurance limits.
- Those caps do not provide third-party bodily-injury or property-damage liability coverage.
- Hosts and guests should not assume a Carvia plan replaces coverage their personal policy, commercial policy, or state financial-responsibility law may require.
We'll update this page, email every user, and give the notice periods described in our Terms of Service if carrier-backed coverage becomes active.
Prelaunch figures are provisional. The plan names, fees, damage-responsibility caps, eligibility rules, and other figures shown on this page reflect Carvia's current prelaunch program design. They may change before public launch, including as a result of final carrier terms, regulatory requirements, or changes to Carvia's program. Carvia will publish the final applicable terms before live trips are available; the terms presented and accepted for a trip will govern that trip.
2. Contractual vehicle-damage responsibility
- Host damage responsibility caps: each host's earnings plan (Max Protection / Balanced / Max Earnings) sets the host's responsibility for an eligible vehicle-damage claim at $875 / $2,125 / $3,250 respectively.
- Guest damage responsibility caps: each guest protection plan (Basic / Plus / Max) similarly caps what a guest owes for eligible damage to the booked vehicle if found at fault — $3,000 / $500 / $0 respectively. A guest who explicitly declines an optional plan has no optional damage cap and can be responsible for actual vehicle damage up to the car's value.
- Claims process and evidence rule: described in full in Protection Plans Terms.
These are contractual marketplace terms, not an auto-insurance policy or a promise of third-party liability coverage.
3. What isn't covered by Carvia's current program
- Third-party bodily injury or property damage liability — until a carrier is in place, this is a gap. Hosts and guests are strongly encouraged to carry their own personal auto insurance that extends to peer-to-peer rental use, or a commercial policy if applicable, until Carvia's carrier-backed liability coverage is active.
- Mechanical breakdowns unrelated to a trip incident.
- Damage from a prohibited use — see Prohibited Uses Policy.
- Anything outside the trip's authorized dates, times, or drivers.
4. What we're telling hosts specifically
If your personal auto policy has a "rental use" or "commercial use" exclusion, listing your car on Carvia could affect your coverage under that policy — this varies by insurer and state. Check with your insurance agent before listing. Carvia's contractual vehicle-damage terms (Section 2 above) apply to eligible damage during an active, Carvia-documented trip, but do not currently include carrier-backed liability protection for third parties.
5. What we're telling guests specifically
Your personal auto policy may or may not extend to a peer-to-peer rental — check with your insurer. A protection plan selected at checkout contractually caps your responsibility for eligible damage to the booked vehicle (Section 2); declining an optional plan does not. Neither choice currently includes carrier-backed third-party liability coverage. If you're in an accident, you're responsible for complying with your state's financial-responsibility and insurance requirements.
6. State-specific requirements
Insurance requirements for peer-to-peer car sharing vary by state, and some states have specific peer-to-peer car-sharing statutes. Ask your insurance agent about the requirements that apply to you and your trip.
7. Questions
If you have questions about coverage before booking or listing, email support@carvia.app. If you're unsure whether your personal policy covers you, talk to your insurance agent — we're not able to give insurance advice on your specific policy.