You might see repair events announced in the app and still see a $0 sharing amount the following week.

That means no member contribution was required that week.

How It Works

Costs always follow the same order. In some cases, the remaining amount is already taken care of before it reaches member sharing.

First, the Member involved contributes through their Out-of-Pocket and Remaining Pledge Balance.

If costs remain, the Settlement Buffer is applied. When there are sufficient funds in the buffer, it can reduce the remaining amount, sometimes to zero.

If there is still a balance after that, members contribute. Contributions have defined limits, and any amount beyond those is supported by a GDC donation.

A Real Example

Here's what that looks like in practice.

In one cycle, the total eligible loss across two events was $6,988.26.

The Members involved paid their $1,000 Out-Of-Pocket and $388.42 from their Remaining Pledge, leaving $5,599.84 required for sharing.

The Settlement Buffer was then applied to that remaining amount, bringing it down to $0.

Since nothing remained after that step, no member contribution was required for that cycle.

What the "Settlement Buffer" Means

The settlement buffer is an account collectively owned by all members.

It helps handle timing gaps and can reduce what would otherwise need to be shared.

It can be funded by sources such as:

• proceeds from total-loss vehicle sales handled by GDC partners, and

• recovered member payments that were missed and later completed

Where to View This

To see what was announced and how costs were handled that week, open the Transparency section within the app.