Insurance gap and coverage confirmation checklist

Peer-to-Peer Car Rental Fleet | PublicProof Academy working document

Forces you to get in writing what is covered during a sharing period, what is covered outside it, and what nobody covers.

Business

State or jurisdiction

Prepared on

Owner

Official source saved

Next review

Personal auto policy - what it excludes

Written statement from my insurer that it knows the car is shared
Liability excluded during sharing period? (yes/no, in writing)
Comprehensive and collision excluded? (yes/no)
Uninsured and underinsured motorist excluded? (yes/no)
Medical payments or PIP excluded? (yes/no)
Can the insurer cancel or nonrenew for sharing? (ask directly)

Platform protection plan - during the sharing period

Plan name and tier chosen
Liability limit per occurrence
Physical damage limit and my deductible
Is loss of use paid while the car is repaired?
Is diminished value paid?
What voids the plan (unapproved driver, prohibited use, tracker rules)
Claim filing window in hours
Where the plan document is saved

The gap outside the sharing period

Commercial auto or rental-use quote 1 (carrier, limit, premium)
Quote 2
Quote 3
Does it cover me moving, cleaning and delivering the car?
Are my helpers listed as permitted drivers?
Garagekeepers needed (do I ever hold a customer's car)?
Workers compensation needed (any W-2 employee)?
Umbrella or excess limit chosen

Lienholder

Lender told the car is shared? (date, person)
Does the loan require physical damage coverage?
Does sharing breach any loan term? (get the answer in writing)

Use rule: Education and organization only. Record the agency, official source, checked date, cost, proof saved and responsible person for every consequential requirement. Unknown means stop and confirm. Example rows are labeled EXAMPLE and are not your data.