At Good Driver Mutuality (GDM), we begin by understanding the unique challenges responsible drivers face in stressful moments, and we deliver practical, reliable solutions. We listen, we show up, and we always act in your best interests.

Our commitment to fairness, transparency, efficiency, and uncompromising quality is reflected in our clear reporting, seamless repair management, and real-time updates, ensuring a professional, reassuring, and distinctly personal experience that members say they’ve never found elsewhere.

I. Expert-Driven Service, Focused on You

Exceptional service demands experienced leadership. At GDM, our Mutuality Operations Team is guided by proven industry veterans who understand both the technical and emotional realities associated with accidents.

Leading the charge is David Clark, Director of Mutuality Operations, with over 30 years of expertise in auto property loss insurance claims. He is a recognized authority in auto physical damage, having held key leadership positions and key roles at top companies such as Selective Insurance, Hartford Insurance, and Sentry Insurance.

Throughout his career, David has successfully managed complex, high-value cases exceeding $1 million and contributed to shaping industry best practices. He has also chaired and served on several national committees, including the Auto Physical Damage (APD) Sub-Committee at the American Property & Casualty Insurance Association (APCIA), the largest P&C trade association in the U.S.

His leadership ensures that every event is handled quickly, precisely, and with genuine care. When an incident is reported, our team acts within one business day.

From the initial report to the final delivery of your fully restored vehicle, we maintain direct oversight of every step — ensuring both cost efficiency and high-caliber results.

And beyond technical details, we never lose sight of the human experience. Every call starts with what matters most: “Are you okay? How are you feeling? We’re here to help — every step of the way.”

From there, your dedicated Mutuality Advisor reviews your incident, verifies service eligibility, and chooses a trusted local partner repair shop and schedules repairs. While your car’s in the shop, you’ll receive regular updates to ensure you’re never in the dark.

At GDM, we follow rigorous standards and deliver service with no limits. You get the attention, support, and peace of mind you deserve.

II. Nationwide Repair Network: Fast & Reliable — Wherever You Are

Because no two incidents are alike, GDM partners with top experts across the auto service industry to ensure that, no matter the situation, you have access to the right professional repairs. From collision repair to glass replacement, ADAS recalibration, or hail damage restoration, GDM offers nationwide support backed by a lifetime guarantee on workmanship and repair quality.

1. Premier Collision Repair Network

• Innovation Group: As an international company offering a wide range of global services, it operates over 2,700 collision repair shops across the United States, and you're most likely never more than 25 miles from one of our partner repair shops.

• ServiceUp: End-to-end repair management, coordinating vehicle pick-up and delivery to the customer’s preferred location. White-glove service that streamlines the repair process and enhances the overall experience.

All of our shop partners must meet and maintain strict standards in regards to industry certifications, equipment, safety, environmental, and customer service.

Together, these partners give us access to over 5,000 vetted repair shops nationwide, ensuring fast, hassle-free service wherever you are.

2. Specialized Solutions for Every Scenario

• Safelite Auto Glass: A national leader in glass repair and replacement, including recalibrations for ADAS features like lane-departure warnings, windshield cameras, adaptive cruise control, and emergency braking systems.

• Nexterra: Specialists in paintless dent repair for hail damage, with mobile-certified centers.

• ELITEK: Diagnostics, calibrations, and electrical services, performed on-site at partner facilities.

• ScoutWorks & Claim Solutions: On-site inspections and accurate repair estimates when no local shop is available.

• DCI Solution: Delivers precise, up-to-date total-loss valuations for seamless incidents handling.

• Copart: Our international salvage-auction partner, listing over 175,000 vehicles for sale at any given time. When a vehicle is declared a total loss, GDM uses Copart to auction the salvage.

  

3. Aftermarket Parts, Guaranteed for Life

• LKQ Corporation: As a leading provider of aftermarket and recycled auto parts, LKQ supplies the majority of GDM’s alternative components, all of which meet rigorous safety and quality standards. LKQ’s aftermarket parts come with a lifetime warranty, offering terms equal to or better than those of OEM parts. For critical safety components, or when premium alternatives are unavailable, we rely on Original Equipment Manufacturer (OEM) parts to uphold the highest standards of safety and performance.

  

III. Technology-Driven Processes: Transparent and Efficient

GDM simplifies accident repairs with tech-enabled reporting, real-time updates, and clear cost breakdowns — keeping you fully informed at every step.

1. Easy Accident Reporting

Open the GDM app, tap “Report Accident”, and follow the prompts to submit incident details and photos. The system will guide you to the next step and connect you with a Mutuality Advisor within the promised timeframe.

2. Clear, Connected, In Control

From your initial report to vehicle delivery, the GDM app ensures complete visibility:

• Receive a notification for the weekly announcement when the sharing amount, loss details, and related updates are available.

• View updated damage photos and accident details.

• Access clear, itemized cost breakdowns with supporting documents.

• Track repairs and monitor real-time progress.

Our Mutuality Operations team combines decades of hands-on repair expertise with AI-powered workflow tools to deliver fast, reliable, customer-centric service. Backed by our nationwide repair network, we’re always ready to get you safely back on the road.