We’ve received inquiries about recent weekly sharing. While this is a common fluctuation, we’re delighted to see members actively engaging with GDM’s operations and transparency — a hallmark of a thriving community. This also presents an excellent opportunity to explain GDM’s savings mechanism and how to estimate your costs.

I. Recent Fluctuations Won’t Impact Your 40% Long-Term Savings Potential

Two high-cost incidents pushed up weekly sharing amounts over the past two weeks, and the most recent week returned to a $0 contribution state with no accidents. That said, these temporary bumps don’t affect our long-term savings: helping accident-free members potentially save up to 40% on their quotes. To give you a clearer picture, let’s look at two real member cases.

Member A:

Member A’s mutuality plan is nearing expiration. His quote is $456.44. Based on GDM’s model aiming for up to 40% savings, his theoretical weekly contribution should be around $7.30. Over the past 20+ weeks, contributions have fluctuated. Some weeks required $0, while recent weeks saw higher amounts. As his plan wraps up, his total contributions came to just $68.87 — far below the expected $182.50. Proof that the savings add up.

Member B:

Member B joined the mutuality plan two months ago. His quote is $830.97. Based on GDM’s model aiming for up to 40% savings, his theoretical weekly contribution should be around $13.29. In the past 9 weeks, most of those early weeks had no accidents, so no contributions were needed. Even with recent spikes, his total contributions so far amount to only $44.50, well below the expected $119.61. Over the long term, Member B’s savings remain on track.

These examples show what we’ve always known: short-term spikes happen. It’s normal early on. With a smaller member base, accidents and contributions bounce around more. Some weeks, no accidents mean no contributions. Other weeks, like the past two, saw sudden spikes due to major incidents. For context, total contributions hit $13,574.42 in Week 20 this year and $24,603.52 in Week 21. The most recent week returned to a $0 contribution state with no accidents. Rest assured, when viewed over a 6-month plan, total sharing amounts stay within the expected range.

As GDM grows, the number of incidents will naturally rise too. But with a bigger community, individual contributions will even out. Every week in the future may see events of varying scales, both large and small. Once we reach critical mass, things will stabilize. The weekly accident rate will gradually align with the industry average, and the impact of any single major incident on your contribution will shrink. Your weekly contributions will stabilize and line up with expectations over time.

Understanding how this works makes it easier to set smart, realistic expectations — and stay confident in the long-term savings you signed up for.

Please note: In recent publicly announced total loss incidents, we partnered with Copart for salvage auctions of the accident vehicles. After Copart completes the auction, the net proceeds are returned to the GDM community's available balance to support the sharing of repair costs for future accident members.

II. How to Estimate Your Total Contributions?

1. Track Savings Progress via Sharing History

   GDM provides transparent tools to review contributions. Open the GDM App, navigate to the Service tab, select your active plan, and click Sharing History to view weekly contributions, savings, and cumulative totals. Focus on long-term trends for a holistic view.

   

2. Assess Platform Health via the Transparency Page

   The Transparency page compares time elapsed versus fund reserves. This metric reflects overall platform stability, helping members gauge its financial health. The Transparency page shows funds remaining (97%) far exceed time remaining (71%), confirming a key insight: despite weekly volatility, the platform is robust.

   

III. Building a Positive Cycle of Safe Driving

Reiterating the above: short-term fluctuations are natural growth phases, not deviations from GDM’s mission to "reward safe drivers." To achieve this, the platform also implements:

• Car Eligibility: Only vehicles with an original price under $100K qualify, keeping repair costs reasonable and avoiding unusually high luxury bills. 

• Renewal Limits: Members with ≥2 accidents in 6 months cannot renew, incentivizing safety. 

• Full Transparency: Every accident undergoes professional review and public announcement before weekly sharing. 

• $2M GDM Donation: During its initial launch, GDM commits a one-off contribution of $2M to support early growth and protect the community from extreme losses.

Final Tips: Regularly check Sharing History and Transparency for real-time insights. Remember, every member’s safe driving bolsters the community. Together, we’ll make GDM a more efficient and economical mutual aid ecosystem.