We've pioneered the following four innovations:

1. Encouraging safe driving to attract good drivers and reduce accidents:

   Our mutuality mechanism makes it more cost-effective to have an accident-free record. This positively attracts more good drivers to join GDM. With everyone having good driving habits, the overall number of accidents decreases, leading to lower repair costs. Consequently, the expenses each member needs to share also drop. This creates a virtuous cycle of "safe driving — cost savings". Good drivers with no accidents can potentially save up to 40% of their quoted price.

   Note: Estimated 40% savings are based on internal data. Actual savings may vary depending on factors such as the overall driving behaviors and other individual circumstances.

   
   

2. Being selective helps keep everyone's costs lower:

   We have strict criteria for vehicle admission. For example, we reject vehicles with an original retail price exceeding $100,000 or those used for commercial purposes. These types of vehicles tend to carry higher risks and cost more to repair. By keeping them out from the start, we're able to save everyone money in the long run.

   
   

3. Designating trusted repair services with fair and transparent pricing:

   With a network of over 5,000 partnered repair shops nationwide, GDM has your back. Before any repair work begins, we carefully review the repair quotes. GDM Mutuality Operations team will ensure that the prices are reasonable and monitor the entire process, preventing inflated costs. Members can view all repair incidents and cost details through the GDM App.

   
   

4. Leveraging AI to cut costs and improve efficiency, passing savings to members:

   GDM only charges a 20% service fee, with no capital pool. The remaining 80% of your quoted amount, known as your pledge amount, stays in your own bank account. You only need to authorize weekly contributions for repair costs when accidents involving other members occur. Any unspent funds are your savings.