RIDELOCAL INSURANCE AND PROTECTION DISCLOSURES
Guest Coverage, Host Coverage and Third-Party Coverage Standards
Version 0.2 | Revised July 19, 2026 | Published July 19, 2026 | Effective July 19, 2026
RideLocal Inc. | 7077 Jewella Avenue, Shreveport, Louisiana 71108
IMPORTANT COVERAGE NOTICE. Insurance exists only under a policy, binder or certificate issued by an authorized insurer. A third-party coverage or protection option may be offered only when it is available through RideLocal’s approved marketplace for the applicable Trip. Checkout must identify the actual provider, product, price and governing documents before purchase. RideLocal does not promise that a particular provider or product will be available.
PART I — GENERAL INSURANCE AND PROTECTION DISCLOSURE
1. Scope and Incorporation
This Insurance and Protection Disclosure (“Disclosure”) is incorporated into the RideLocal Agreement, each Trip Agreement and applicable Host–Guest Vehicle Rental Agreement. It explains how RideLocal verifies coverage and presents third-party insurance or protection products. It is a summary only. An issued policy, binder, certificate, endorsement or protection agreement (“Issued Coverage”) controls benefits, exclusions, limits, deductibles, claim procedures and cancellation rights.
If this Disclosure conflicts with Issued Coverage, the Issued Coverage controls insurance. Mandatory law controls over both. Contractual Guest responsibility under the RideLocal Agreement is separate from insurance: coverage may pay some loss, but a coverage denial does not automatically eliminate contractual responsibility, and a contractual obligation does not create insurance coverage.
2. Key Terms
“Approved Driver” means a driver named and approved in the Trip Agreement and accepted under Issued Coverage before driving.
“Car-Sharing Period” or “Coverage Period” means the exact start and termination period defined by applicable law and Issued Coverage.
“Deductible” means an amount allocated to an insured or protected person under Issued Coverage; it is not a minimum damage threshold.
“Insurance” means risk transfer under a policy issued by an authorized insurer.
“Personal Coverage” means a Guest’s or Host’s own motor vehicle policy or other qualifying coverage, as actually written and endorsed.
“Protection” means a contractual allocation or waiver that may not be insurance. RideLocal will not use this label without documents defining its legal nature.
“Provider” means the authorized insurer, producer, program administrator, claims administrator or protection provider identified in the Issued Coverage.
3. RideLocal’s Marketplace and Compliance Role
RideLocal is a marketplace connecting Hosts and Guests, but marketplace status does not eliminate duties imposed on a peer-to-peer car-sharing program. RideLocal will not accept a Trip unless the coverage structure satisfies applicable Louisiana or Texas requirements for the correct lane. RideLocal may collect and transmit application information, premium and documents only through approved licensed arrangements and only to the extent legally permitted. RideLocal does not designate one permanent provider in this Disclosure. The provider and product offered for a particular Trip depend on what is then available through RideLocal’s approved third-party insurance or protection marketplace for the applicable state, vehicle, driver and dates. Checkout must identify the actual provider, product, price and governing documents before the Guest selects or purchases it.
RideLocal and its unlicensed personnel do not recommend a policy as suitable for an individual, interpret coverage, bind insurance, negotiate claims, adjust loss or promise payment except within authority documented by the insurer and permitted by law. Coverage questions and claim decisions must be routed to the licensed Provider.
4. Guest Coverage Requirement
Before a Host may approve a Trip or release a vehicle, the primary Guest and every Approved Driver must have qualifying coverage for the full Trip through one or a combination of the following, as permitted by law and the applicable program:
verified Personal Coverage that expressly covers, or does not exclude, the RideLocal peer-to-peer sharing or commercial rental use and satisfies required liability and other program standards;
an approved per-Trip policy purchased at checkout and issued before possession;
coverage maintained by RideLocal or the applicable program that satisfies statutory requirements; or
another written structure approved by RideLocal’s insurance counsel and Provider.
A declaration page, insurance card or use of the phrase “full coverage” does not by itself establish eligibility. RideLocal must verify carrier, named insured or permissive-use status, policy term, vehicle/use eligibility, limits, exclusions, additional drivers and any required physical-damage treatment. The Guest must promptly report cancellation, nonrenewal, exclusion or other material change.
5. RideLocal Verification and Host Handoff Check
RideLocal’s system verification is the first gate. The system must record a pass for every driver and the coverage period before Host approval. At handoff, the Host must visually compare the Guest’s current original or legally accepted digital driver’s license to the booking and confirm the app displays active coverage status. The Host may not interpret policy terms, retain unnecessary copies, accept off-platform proof instead of a failed system status, or release the vehicle when status is missing, expired or inconsistent.
A Host check does not cure a RideLocal system failure or shift RideLocal’s nonwaivable duties to the Host. No facial recognition or face matching is used. If the app cannot confirm required coverage, the Trip must not begin.
6. Host Coverage and Vehicle Authority
The Host must maintain every policy, registration, permit and financial-responsibility requirement applicable outside and during Trips. A personal Host policy may exclude vehicle sharing, rental, hire or business use and may cancel or decline renewal as law permits. RideLocal approval does not amend the Host’s policy. The Host must disclose financing or lease restrictions and obtain any required lienholder or lessor permission.
A Dealer or commercial fleet must use the Commercial Dealer Rental lane and maintain the commercial fleet, garage, rental, liability, physical-damage and other coverage required by law, contract and RideLocal’s Dealer Addendum. A peer-to-peer policy must not be represented as covering Dealer inventory unless the issuing insurer confirms that exact use.
7. Liability and Physical Damage Are Different
Liability coverage addresses covered bodily injury or property damage to third parties. It does not necessarily pay for damage to the shared vehicle, the Guest’s property, injuries to the Guest, towing, roadside service, loss of use, diminished value or excluded conduct. Collision or comprehensive physical-damage coverage, a contractual protection package, personal-accident coverage and personal-effects coverage are separate products or benefits unless an issued document expressly combines them.
RideLocal checkout must not use one checkmark or the word “covered” to imply that every category is included. Each offered component must show the insurer, product name, principal limit or maximum, deductible or out-of-pocket amount, material exclusions, price, term and link to the full document.
8. Personal Insurance May Exclude the Trip
Personal automobile policies often contain exclusions or limitations for vehicles made available for rent, sharing, hire, livery or business use. A policy may cover liability but not physical damage, or may cover the named insured but not a particular vehicle or driver. Credit-card benefits may exclude peer-to-peer vehicles, certain vehicle classes, domestic rentals, liability, long Trips or claims not paid with the eligible card. RideLocal does not guarantee personal or card benefits.
The Guest and Host should obtain confirmation from their insurer, but RideLocal must independently apply its approved eligibility rules. A Provider’s later coverage decision may depend on facts and policy language not available at booking.
9. Coverage Period and Late Return
Coverage begins and ends only as stated in Issued Coverage and applicable law. It may begin at the statutory delivery period, scheduled start, actual transfer of control or another defined time. It may end at scheduled termination, agreed return, retaking possession or another defined event. The Trip Agreement must use the Provider-approved times and definitions.
RideLocal’s 59-minute late-return fee grace is not a coverage extension and does not authorize possession after scheduled Trip end. Any extension must be approved in RideLocal, paid, and accepted by the Provider before the original coverage ends. Use after termination may be uninsured or excluded, and the Guest and Host may remain personally exposed.
10. Approved Drivers and Vehicle Restrictions
Only Approved Drivers accepted under Issued Coverage may drive. The primary Guest is responsible for preventing access by anyone else. Coverage may depend on age, license history, residence, vehicle class, value, geography, Trip length and other filed underwriting rules. RideLocal may impose stricter eligibility. No user may assume that approval for one vehicle or Trip applies to another.
11. Common Exclusions and Limitations
The actual Issued Coverage controls. Depending on the product, coverage may exclude or limit loss involving:
unapproved, unlicensed, suspended, impaired or otherwise ineligible drivers;
racing, speed testing, off-road use, towing, rideshare, delivery, sub-rental or other prohibited commercial use;
intentional, fraudulent, criminal, dishonest or staged conduct;
use outside an approved territory or beyond the coverage period;
wear and tear, mechanical breakdown, maintenance, defect, recall or preexisting damage;
interior, tire, wheel, glass, key, diminished-value, loss-of-use, personal-property or roadside loss;
failure to report promptly, preserve evidence or cooperate, but only to the extent enforceable and materially prejudicial;
misrepresentation or omission material to underwriting or the claim; and
limits, deductibles, sublimits, valuation methods and other conditions in the Issued Coverage.
This list is an issue-spotting disclosure, not a coverage statement. Checkout must display the Provider-approved material exclusions for the selected product and provide the full document before purchase.
12. Deductible, Guest Responsibility and Security Hold
The Issued Coverage establishes any deductible or out-of-pocket maximum. A deductible is not a minimum claim threshold: documented eligible damage below it may remain chargeable under the RideLocal Agreement. Coverage does not eliminate responsibility for excluded loss when lawfully assigned to the Guest, and contractual responsibility does not expand insurance.
The $100 security authorization hold is separate from premium and deductible. It does not cap responsibility or prove a claim. RideLocal may preserve or capture a supported amount under the Fee Schedule and Damage and Claims Policy, with notice, response and reconciliation. No separate damage-deposit or claims-processing fee applies at MVP launch unless an Issued Coverage document lawfully and clearly provides otherwise.
13. Price, Premium, Fees and Taxes
Checkout must separately show the Host-set base price, Guest-funded RideLocal platform fee, insurance premium or protection cost, applicable tax, $100 authorization hold and total. No booking fee or vehicle-delivery fee applies at MVP launch. Premium or protection cost may be priced per day or per Trip only as approved and must update when dates, drivers or vehicle change.
RideLocal will not call premium a “service fee,” retain premium as platform revenue, rebate it unlawfully, or change a filed rate. The Provider agreement must identify who is merchant of record, who receives commission or administrative compensation, how it is disclosed, and how refunds, chargebacks and taxes are handled.
14. Cancellation, Modification and Refund
Insurance or protection cancellation is governed by the Issued Coverage, filed rate/rule and applicable law. The intended product rule is a full refund when a Trip is canceled before coverage attaches and the Provider permits cancellation. After attachment, earned-premium, minimum-premium, fee and cancellation provisions control. RideLocal must display the result before cancellation when available and issue required notices.
A Trip extension, shortening, added driver, substitute vehicle or other material change is effective for coverage only after Provider acceptance and issuance of updated proof. RideLocal cannot promise retroactive coverage. If Provider integration fails despite timely user compliance, the vehicle must not be released or continued beyond existing coverage.
15. Proof of Coverage
Before handoff, the Guest must receive downloadable proof identifying the named insurer, policy or certificate number, insured or certificate holder, approved drivers, vehicle or class, effective start and end, principal coverages and limits, deductible or maximum, claims contact and document access. A RideLocal confirmation page without issuer information is not proof of insurance.
RideLocal will retain the proof and accepted disclosures for at least seven years after Trip end or final claim resolution, whichever is later, subject to the Privacy Policy and legal hold. A secure one-time document link must be supplemented with durable in-app or support access so the user can retrieve the document later.
16. Accident and Claim Duties
After an incident, the Guest must protect safety, call 911 when appropriate or required, notify RideLocal and the Host as soon as safely possible, preserve evidence, avoid unauthorized repair or settlement, and cooperate with the Provider. The Host must preserve the vehicle, submit pre-/post-Trip evidence and report claimed damage within the deadlines in the Damage and Claims Policy. The Provider controls insurance coverage and adjustment.
RideLocal will route first notice of loss and provide required Trip records. RideLocal staff may administer platform records and contractual charges but must not adjust insurance unless properly authorized and licensed. The user must forward demands, lawsuits, insurer communications and government documents promptly.
17. Claims, Defense and No Prior-Denial Requirement
The Issued Coverage identifies the claims administrator, telephone number, email or portal, mailing address, emergency roadside contact and complaint procedure. Coverage may include a duty to defend qualifying third-party claims. RideLocal will not require another insurer to issue a denial before program coverage responds when applicable Louisiana or Texas law prohibits that condition.
Payments from the Guest, Host, insurer, protection provider, responsible third party, warranty or salvage must be credited to prevent double recovery. Subrogation, contribution and indemnity rights are governed by the policies, Agreement and law. Users must reasonably cooperate and must not impair recovery rights.
18. Complaints and Regulatory Rights
Coverage complaints should first be directed to the Provider contact shown in the issued documents. Users may also contact the applicable state insurance regulator and exercise nonwaivable appeal, appraisal, complaint or legal rights. RideLocal will not require a user to waive a regulator complaint as a condition of service. The production disclosure must list the issuing insurer’s legal name and NAIC number, producer legal name and license information, and state-specific regulator contacts as required.
19. Privacy and Information Sharing
RideLocal may share identity, license, vehicle, Trip, payment, coverage-selection and claim information with the Provider and authorized service providers as described in the Privacy Policy. Each Provider’s privacy notice also applies. RideLocal will not use facial recognition or face matching. Medical and claim information must be limited to authorized recipients and retained under the applicable schedule.
20. No Guarantee or Waiver
RideLocal’s verification, Host handoff check, proof display or collection of premium does not guarantee that every claim is covered. Coverage depends on Issued Coverage and facts. A Provider’s failure to enforce one term does not amend the policy unless the Provider does so lawfully in writing. RideLocal cannot waive insurer rights or create coverage by message, refund, goodwill payment or support statement.
PART II — THIRD-PARTY COVERAGE PROGRAM STANDARDS
PROVIDER SELECTION NOTICE. RideLocal does not promise a permanent provider, brand, product or coverage option. The actual provider and product available for a Trip depend on the offerings made available through RideLocal’s approved third-party marketplace. Checkout must identify the selected provider and product and provide the applicable governing documents before purchase.
21. Required Program Data Before Activation
Required field
Approved value must be inserted from signed documents
Status
Producer/administrator
Legal name, address, license numbers, role and compensation disclosure
TO BE SUPPLIED BY SELECTED PROVIDER
Issuing insurer
Full legal name, address, NAIC number and state authorization
TO BE SUPPLIED BY SELECTED PROVIDER
Policy forms
Policy, certificate, binder, endorsements, notices and state form numbers
TO BE SUPPLIED BY SELECTED PROVIDER
Eligible transaction
Written confirmation that individual peer-to-peer and/or Dealer Rental Trips qualify
TO BE SUPPLIED BY SELECTED PROVIDER
Coverage components
Exact liability, collision/comprehensive, personal accident, roadside and other benefits
TO BE SUPPLIED BY SELECTED PROVIDER
Limits and deductibles
Per-person, per-accident, property, physical-damage, sublimits and Guest maximums
TO BE SUPPLIED BY SELECTED PROVIDER
Underwriting
Driver, vehicle, value, geography, duration, additional-driver and prohibited-use rules
TO BE SUPPLIED BY SELECTED PROVIDER
Term and attachment
Exact start, termination, extension, cancellation and lapse rules
TO BE SUPPLIED BY SELECTED PROVIDER
Price and taxes
Filed rate/rule, premium, taxes, commission and refund handling
TO BE SUPPLIED BY SELECTED PROVIDER
Claims and roadside
Administrator, FNOL, emergency telephone, towing, response times and appeals
TO BE SUPPLIED BY SELECTED PROVIDER
Privacy and data
Provider notice, consents, fields, retention, security and incident obligations
TO BE SUPPLIED BY SELECTED PROVIDER
Integration approval
Signed provider agreement, technical certification, production authorization and audit rights
TO BE SUPPLIED BY SELECTED PROVIDER
22. Provider-Neutral Checkout Flow
Guest enters Trip, driver, vehicle and requested-coverage information and receives required privacy and producer notices.
RideLocal first tests whether verified Personal Coverage qualifies under the approved program rules.
If it does not qualify, RideLocal may offer only a third-party product approved for that precise lane, state, vehicle and driver.
Before purchase, the Guest receives issuer, coverages, limits, deductible, exclusions, term, premium/tax, cancellation, claims and regulator disclosures.
Guest affirmatively selects the product and electronically signs the required application and acknowledgments; prechecked consent is prohibited.
The authorized producer/insurer accepts and binds coverage; RideLocal receives an immutable policy/certificate identifier and effective times.
The Guest receives durable proof in the app and by an approved delivery method before Host approval and handoff.
The Host sees only the minimum active-status information needed for handoff, not confidential underwriting or payment details.
Any driver, vehicle or Trip change requires real-time Provider acceptance and revised proof before it is effective.
If binding or proof delivery fails, the Trip remains unconfirmed and the vehicle cannot be released.
23. Consumer Disclosure Template — Complete for the Selected Provider
The following template must be completed and approved; bracketed text must never be shown to a consumer:
Issuer: [FULL LEGAL INSURER NAME], NAIC [NUMBER], [ADMITTED/SURPLUS-LINES STATUS].
Producer/administrator: [LEGAL NAME, ADDRESS AND LICENSE INFORMATION].
Product: [POLICY/CERTIFICATE NAME AND FORM NUMBERS]. This is [INSURANCE / NON-INSURANCE PROTECTION] and is [OPTIONAL / REQUIRED UNDER SPECIFIED CONDITION].
Coverage: [LIABILITY LIMITS]; [PHYSICAL-DAMAGE LIMIT/VALUATION]; [PERSONAL-ACCIDENT LIMITS]; [OTHER].
Your deductible or maximum responsibility: [AMOUNT AND APPLICATION].
Coverage period: [EXACT ATTACHMENT AND TERMINATION RULE, TIME ZONE, DELIVERY PERIOD]. The RideLocal late-fee grace does not extend coverage.
Important exclusions: [PROVIDER-APPROVED MATERIAL EXCLUSIONS]. Read the full policy before purchase.
Price: [PREMIUM] + [TAX/FEES] for [TERM]. RideLocal compensation: [DISCLOSURE IF REQUIRED].
Cancellation/refund: [APPROVED RULE AND METHOD].
Claims/roadside: [TELEPHONE, PORTAL, EMAIL, ADDRESS AND EMERGENCY INSTRUCTIONS].