We know of no law in any state that says it’s illegal to share your car, but suggest you check to see if your state has car sharing regulations in place
We don’t expect your insurer to cover losses that occur while your car is being shared
Protection plans made available via Resortifi provide $750,000 in third-party liability insurance, except in some states and some airports that require additional coverage; this includes vehicles in the state of New York, where liability coverage is $1,250,000
Third-party coverage is provided under a policy issued to Resortifi by Travelers Excess and Surplus Lines Company; learn more about coverage details
Protection plans also contractually provide for reimbursement for physical damage to your vehicle, which is not insurance
When a trip is booked in the state of Washington, physical damage to the host’s vehicle is covered by insurance purchased by Resortifi
Resortifi’s insurance does not change the contractual responsibilities of hosts or guests with respect to physical damage to a host’s vehicle
Check the terms of any lease or financing agreements to ensure they don’t prohibit your participation in car sharing
Further, many states have laws preventing subleasing
While we don’t believe car sharing would violate unlawful subleasing laws, there’s no guarantee that all law enforcement would agree
Hosts who share a vehicle with a lien against it should check the terms of their contract with the lien holder to ensure listing on Resortifi doesn’t violate the contract terms
Your insurer’s response to car sharing will depend on their policies and the laws of the state in which your car is registered
If your insurer has concerns, we believe you should be able to remove your vehicle(s) from Resortifi and retain your personal auto insurance coverage
If you receive any indication that your insurance is in jeopardy, let us know. We’ll take it up with your insurer and potentially with your state’s insurance regulator