All drivers on an active booking receive full coverage insurance. This means that a hosts vehicle on the ZEVO platform also receives full coverage insurance during rental periods.

This insurance offers full coverage during the active rental period, with phsical damage limits up to $110,000. It also includes third-party liability coverage that meets State minimum requirements. A $2,500 deductible is enforced for each submitted claim. Note that vehicle maintenance is not covered under any ZEVO-provided insurance. Please note that in any damage claim the $2500 deductible is first attempted to be collected from the guest and if that fails it becomes the responsibility of the host.

• Coverage: Insurance is included in the weekly rental fee and provides coverage during the time the vehicle is actively rented by a Driver.
• Coverage Limits: The policy offers physical damage coverage up to $110,000.
• Eligibility: Coverage is exclusively available to the “vetted driver” who has agreed to the rental agreement through ZEVO.
• Liability: Coverages meet each active States minimum requirements
• Deductible: $2500 for physical damage

Insurance coverage is available in AZ, CA, FL, GA, IL, MD, and TX. Active rental markets are currently Texas, California, Arizona, and Florida, with more coming soon.

Summary of Coverages

1. Insurance Coverage Overview

ZEVO provides insurance coverage for eligible vehicles that meet our requirements. This document outlines the responsibilities of hosts and guests regarding damage and liability claims.

2. Deductible Responsibility

Both hosts and guests should be aware of the following deductible arrangement:

• $2,500 Deductible: For any covered damage claim, there is a $2,500 deductible that applies. This deductible amount is the responsibility of the host and/or guest to settle between themselves, as agreed upon in their rental agreement.
• Damages Below Deductible: Any damages that cost less than the $2,500 deductible amount are to be settled directly between the host and guest without ZEVO's involvement in the payment process.
• Resolution Process: Hosts and guests are encouraged to document all pre-existing damage before each trip and any new damage immediately after a trip to facilitate fair resolution of claims below the deductible threshold.

3. Exclusions from Coverage

ZEVO insurance explicitly does not cover the following:

3.1 Wear and Tear

"Wear and tear" refers to the natural deterioration of vehicle components through normal use. This includes but is not limited to:

• Gradual deterioration: The slow degradation of vehicle parts and systems through regular use.
• Mechanical issues: Failures resulting from accumulated use rather than a specific incident.
• Interior wear: Fading, light scratches, or minor soiling consistent with normal vehicle use.
• Exterior wear: Minor paint chips, light scratches, or small dings consistent with normal vehicle use.
• Tire wear: Normal tread reduction through regular driving (including punctures or sidewall damage from specific incidents).
• Brake system wear: Normal reduction of brake pad/rotor thickness through regular use.

3.2 Other Exclusions

• Damage from prohibited uses: Any damage resulting from vehicle use that violates the terms of service or rental agreement.
• Pre-existing damage: Any damage that existed before the rental period began.
• Unauthorized driver damage: Damage caused by drivers not authorized in the rental agreement.
• Personal belongings: Damage to or theft of personal items left in the vehicle.

4. Claims Process

For damages exceeding the $2,500 deductible, the following process applies:

1. Documentation: Immediately document all damage with photos, videos, and written descriptions.
2. Notification: Notify ZEVO of the damage within 24 hours of the end of the rental period.
3. Claim submission: Submit a formal claim through the ZEVO platform with all relevant documentation.
4. Assessment: ZEVO will assess the claim and determine coverage eligibility.
5. Resolution: If approved, ZEVO will handle payment for covered damages exceeding the $2,500 deductible.

5. Host and Guest Responsibilities

5.1 Host Responsibilities

Both parties have specific responsibilities regarding vehicle condition:

• Maintain the vehicle in safe, roadworthy condition
• Document and disclose all pre-existing damage
• Perform regular maintenance as recommended by the manufacturer
• Provide accurate vehicle information

5.2 Guest Responsibilities

• Inspect and document vehicle condition at pickup
• Operate the vehicle in accordance with all laws and the rental agreement
• Report any new damage immediately
• Return the vehicle in the same condition, minus normal wear and tear

6. Dispute Resolution

For disputes regarding damage below the deductible threshold:

• Direct negotiation: Hosts and guests should first attempt to resolve the issue directly.
• Arbitration: Unresolved disputes may be subject to binding arbitration as detailed in the general Terms of Service.

By participating in the ZEVO platform, both hosts and guests acknowledge and accept these terms regarding liability and damage claims.

7.1 ZEVO Vehicle Safety Requirements

ZEVO requires hosts to maintain vehicles in safe, roadworthy condition at all times, including:

• Regular maintenance: Vehicles must receive all manufacturer-recommended maintenance to remain eligible on the platform.
• Safety compliance: All vehicles must comply with local safety regulations and pass required inspections.
• Recall resolution: Safety recalls must be addressed before a vehicle can be listed or rented.
• System functionality: Critical safety systems including brakes, lights, tires, steering, and restraint systems must be fully operational.
• Documentation: Hosts must maintain records of all maintenance and safety-related repairs, which may be requested during dispute resolution.

7.2 Glass Damage Policy

Glass damage, including windshields, windows, mirrors, and headlights, falls under the following special provisions:

• Direct resolution required: All glass damage, regardless of cost, must be resolved directly between hosts and guests without ZEVO's payment involvement.
• Documentation requirements: Both parties must thoroughly document the condition of all glass components during pre-trip and post-trip inspections.
• Repair options: Hosts may choose their preferred repair vendor, but must provide guests with cost estimates from at least two reputable service providers.
• Installment plans: For glass damage and other high-cost repairs, ZEVO offers installment payment options through incidental invoices. Guests can make payments over time for significant repair costs. Contact support to set up an installment plan for a specific claim.