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Emergency

Damage to the car-sharing car: how high is your liability really?

In car-sharing, you are generally liable for self-inflicted damage only up to an agreed deductible, unless you acted with gross negligence or violated the terms of use. What matters is reporting damage correctly and documenting pre-existing damage.

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Your chances of getting your money back

Usually the provider limits your liability for self-inflicted damage to a deductible. This can rise or be entirely waived in the case of gross negligence (e.g. alcohol, phone) or violations of the terms and conditions.
If you are held responsible for damage you did not cause (pre-existing damage), you do not have to pay. Good documentation before and after the trip protects you.

What you should do now

  1. 1

    1. Check before the trip

    Document existing damage with photos and report it via the app before you set off.

  2. 2

    2. Report damage correctly

    If you cause damage, report it immediately and truthfully. A late or false report can increase liability.

  3. 3

    3. Check the deductible

    Clarify the agreed deductible and whether a reduction package applied. Excessive claims beyond that can be challenged.

  4. 4

    4. Dispute pre-existing damage

    If you are held liable for pre-existing damage, prove with your documentation that it does not come from you.

How to spot the scam

  • The provider bills damage that you were not shown before the trip.
  • The full damage sum is demanded instead of the deductible, without proving gross negligence.
  • Processing fees and diminished value are added on unclearly.

Frequently asked questions

How high is my liability in car-sharing?

Generally up to the agreed deductible for self-inflicted damage. With gross negligence (e.g. alcohol, phone use) or violations of the terms of use, liability can be higher or the limit can lapse.

Do I have to pay for pre-existing damage?

No. You are not liable for damage you did not cause. That is why it is important to photograph existing damage before starting the trip and report it via the app, so you can exonerate yourself.

What if the provider demands too much?

The provider must justify claims beyond the deductible, for example with gross negligence. Dispute excessive claims in writing and demand a comprehensible breakdown of the damage.

Take action now

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General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.