As a Mobi host, you're the owner of your businessāand that includes managing claims if something happens to your vehicle during a trip. Mobi partners with third party insurance partners to provide insurance coverage, but all claims must be filed and managed directly by you.
Mobi doesnāt process or adjudicate insurance claims, but weāre here to support and guide you through the process.
š§ How Claims Work
If your vehicle is damaged or stolen during a guestās trip, hereās what to do:
Step 1: šø Gather Evidence
Take clear photos or video of the damage or incident scene (request from guest). The more documentation, the better.
- If the accident occurred while the guest was performing gig work (e.g., Uber, Lyft, DoorDash, Instacart, etc.), request a screenshot of their active gig trip or delivery immediately.
- Obtain a police report. If law enforcement responds, request a copy of the report and the report number
- Obtain information of other involved drivers, including:
- Driver's name
- Phone number
- Insurance company and policy number
- Driver's license
- Vehicle make, model, and license plate
- Obtain clear photos of:
- All four sides of every involved vehicle
- All damaged areas (close-up and wide-angle)
- License plates
- The accident scene, road conditions, traffic signs/signals, and any skid marks or debris
Step 2: š Communicate with the Guest
Reach out to the guest to understand what happened and collect any additional details, including photos or a written statement if needed.
Step 3: š File a Claim with Insurance Provider
You are responsible for submitting the claim directly to our third-party insurance provider. They will handle all evaluations, payouts, and communication related to the claim.
- City, date, and time of accident
- Before photos
- Photos of accident & damage
- Police report # and agency, if any
- Brief description of the incident
- Vehicle location
- Deductibles apply based on Mobiās insurance terms:
- $2,500 for vehicles valued up to $55,000
- Vehicles over $55,000 are not eligible for Mobi coverage
- Claims must be filed promptlyāideally within 24 hours of accident, with a 72 hour requirement period.
š¬ What Mobi Can Do
While we donāt process claims, Mobi is here to help by:
- Answering questions about insurance policies
- Supporting communication between you and the guest
- Providing best practices for documentation and follow-up
Weāre your partner in platform successāand we want to make sure you have the right tools and info to navigate tough situations.