Insurance Paths & Protection Coverage

Fito Ride ensures that every rental trip is fully protected under a verified insurance framework.

1. Fito Protection Policy Path (75% Revenue Share)

When hosts choose Fito Protection, every trip includes:

Secondary Liability Insurance: Up to state minimum financial responsibility limits covering third-party bodily injury and property damage.
Physical Damage Protection: Coverage for comprehensive and collision damage to your vehicle during active trip rentals (up to actual cash value, subject to a $500 host deductible cap).
24/7 Roadside Assistance: Emergency towing, battery jump-starts, flat tire changes, and lockout service.

For commercial rental businesses, fleet operators, and hosts with primary commercial auto rental policies:

Certificate of Insurance (COI): Hosts upload a valid COI naming Fito Technology, LLC as an additional insured.
Primary Coverage: Host's commercial insurance policy acts as primary coverage for all trip liability and physical damage.
Reduced Platform Fee: Host retains 90% of all daily trip rates and fee revenues.

If damage occurs during a trip:

1. Document the damage immediately with clear photos during post-trip inspection.

2. Submit a claim via [/partner/dashboard](/partner/dashboard) within 24 hours of trip end.

3. Our claims team reviews pre- and post-trip photos and processes resolution within 3-5 business days.