What's covered, deductibles, how to file a claim, replacement vehicles.
What does the insurance cover?
$1M third-party liability, agreed-value physical damage, $500K UM/UIM, roadside, replacement vehicle.
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What's my deductible if I'm at fault?
$2,500 standard deductible for at-fault collisions. $5,000 for at-fault losses involving willful misuse. Not-at-fault: zero.
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How to file a claim, step by step
Call RYDA Service first (one number, 24/7). Photograph everything. Don't admit fault. We file with the carrier within 24 hours and manage the adjuster.
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Roadside assistance & replacement vehicle
24/7 dispatch from the RYDA Service line. Replacement vehicle of similar tier within 4 hours, anywhere in the operating market.
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What if the car is totaled?
Insurance pays the agreed value to the LLC. Distributions go pro-rata to co-owners. The group can elect to roll proceeds into a replacement vehicle.
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What if my friend drives the car?
Don't. Letting an unauthorized driver behind the wheel voids the insurance policy entirely. The financial liability is yours. It's also grounds for membership review.
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What if a passenger gets hurt?
Passenger medical and bodily injury are covered by the $1M liability policy. Your personal auto medical-payments coverage (PIP/Medpay) may also apply.
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What voids my insurance coverage?
DUI, racing on public roads, unauthorized drivers, off-track motorsport, commercial use, intentional damage, fraud, anything outside the policy's stated use voids coverage.
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