Insurance and Protection Plans
GoLibre is a technology platform that connects vehicle owners, renters, drivers, service providers, and customers. GoLibre is not an insurance company, insurance broker, insurance agency, or insurance underwriter.
Any insurance products, protection plans, coverage options, or vehicle protection programs that may be available through the GoLibre platform are provided by independent third-party providers, vehicle owners, fleet operators, or insurance carriers.
Coverage availability may vary by location, vehicle type, service category, eligibility requirements, and applicable laws.
No Guarantee of Coverage
The use of the GoLibre platform does not guarantee that any particular booking, rental, ride, delivery, or service transaction is covered by insurance.
Users are responsible for reviewing all applicable coverage terms, exclusions, limitations, deductibles, and eligibility requirements before completing a transaction.
Vehicle Rentals
For vehicle rental transactions, coverage may be provided through:
- The vehicle owner's insurance policy;
- A commercial fleet insurance policy;
- A third-party protection provider;
- The renter's personal automobile insurance policy;
- Credit card benefits, where applicable; or
- Other authorized coverage arrangements.
Coverage terms vary by transaction and may not apply in all situations.
Driver and User Responsibilities
All users are responsible for:
- Maintaining all legally required licenses and permits;
- Complying with local traffic and transportation laws;
- Operating vehicles safely and responsibly;
- Verifying applicable insurance coverage before using a vehicle;
- Reporting accidents, damage, theft, or incidents promptly.
Failure to comply with platform requirements or applicable laws may affect coverage eligibility.
Exclusions
Insurance policies and protection plans may contain exclusions, including but not limited to:
- Unauthorized drivers;
- Intentional damage;
- Fraudulent activity;
- Driving under the influence of alcohol or drugs;
- Reckless driving;
- Criminal activity;
- Use outside approved geographic areas;
- Violation of rental agreements or platform policies.
Users should carefully review all applicable terms before participating in any transaction.
Claims and Incidents
In the event of an accident, damage claim, theft, injury, or other incident, users must:
- Ensure personal safety and contact emergency services when necessary.
- Notify the appropriate authorities when required by law.
- Report the incident through GoLibre as soon as reasonably possible.
- Cooperate with any investigation conducted by the applicable insurance provider or protection administrator.
Limitation of Liability
To the fullest extent permitted by law, GoLibre does not make any representation or warranty regarding the scope, adequacy, availability, or effectiveness of any insurance policy, protection plan, or coverage option associated with a transaction.
GoLibre shall not be liable for denied claims, coverage disputes, policy exclusions, or decisions made by third-party insurance providers.
Questions
For questions regarding insurance coverage, protection plans, deductibles, or claims, users should contact the applicable insurance provider or protection administrator directly.
By using the GoLibre platform, you acknowledge that you have read, understood, and accepted this Insurance, Protection Plans & Coverage Disclosure.