Loss Definition

The loss of the planned vehicle must be due to an unintentional incident causing sudden, direct, and accidental damage. Intentional damage, normal wear and tear, and mechanical malfunctions are not eligible. For example, engine wear is not eligible for sharing.

Unauthorized Use and Fraudulent Incidents

1. Vehicles used for commercial purposes, including ride-sharing, food delivery, or any other transportation or livery services, are not eligible to submit a sharing request.

2. Sharing requests are not allowed if there is intentional concealment or misrepresentation of information at any time, such as false details or pre-existing vehicle damage.

Liability Insurance

If a member does not have an effective liability insurance policy at the time of the accident, the accident is not eligible for a sharing request.

Repair-Related

1. After an accident, the vehicle must be repaired at a GDM-designated repair shop. With over 5,000 partner shops nationwide, most members can expect to find options within a 15-mile radius. (Exceptions apply if no GDM repair shops are available within a 25-mile radius.) Repair costs from non-partner shops are not eligible for sharing unless pre-approved by GDM.

2. Repairs prioritize high-quality alternative parts. OEM (Original Equipment Manufacturer) parts will only be used for: Safety-related components/Cases where no certified alternatives exist

   If a member opts for OEM parts exclusively when quality alternatives are available, any cost difference will not be eligible for sharing.

GDM Plan Eligibility and Application Timing Guidelines

1. The incident must have occurred during the active period of the Mutuality Plan. If there are any outstanding contributions that were due within the grace period, the member must settle them before submitting a sharing request.

2. Members should submit a sharing request as soon as possible (when safe to do so) after the incident. All incidents must be reported to GDM within 365 days of occurrence. However, the member may be responsible for applicable accrued charges, such as excessive storage fees. Requests submitted beyond this timeframe may be denied due to the inability to verify the incident’s authenticity.

For complete qualification details, please refer to the Good Driver Mutuality Program Terms and Conditions.