🚗💥 What to Do If You’re in an Accident – Mobi Guest Guide

🚗💥 What to Do If You’re in an Accident (Guest Guide)

If something unexpected happens during your trip—like damage to the vehicle or theft—Mobi is here to help guide you. That said, Mobi does not directly handle insurance claims. All claims are handled between the host (vehicle owner) and our insurance partner.

đźš— What to Do If There's an Incident

If there’s damage, theft, or any vehicle-related issue during your trip:

Step 1: 📸 Document the Issue
Take clear photos or videos of the damage, the vehicle, and the surrounding area as soon as it’s safe to do so.
  1. If the accident occurred while performing gig work (e.g., Uber, Lyft, Doordash, Instacart, etc.). take a screenshot of your active gig trip or delivery immediately and send it to both Mobi Support and your Host
  2. Obtain a police report. If law enforcement responds, request a copy of the report or the report number.
  3. Obtain information with all involved drivers, including:
    1. Driver' name
    2. Phone number
    3. Insurance company and policy number
    4. Driver's license
    5. Vehicle make, model, and license plate
  4. Take clear photos of:
    1. All four sides of the involved vehicle(s)
    2. All damaged areas (close-up and wide-angle)
    3. License plates
    4. The accident scene, road conditions, traffic signs/signals and any skid marks or debris
Step 2: đź“ž Contact the Host and Mobi immediately
Reach out to your host through the Mobi platform to let them know what happened. Open communication helps speed things up.

IMPORTANT: If the vehicle is being impounded, coordinate with your Host before authorizing the tow or releasing the vehicle. If possible, have the vehicle towed to a location designated by the Host.

At the end of your rental, send your Host and Mobi Support clear photos of all four corners of the vehicle so your rental can be properly closed and unnecessary post-rental charges can be avoided.

Step 3: đź“ť File a Claim
The host is responsible for filing a claim with our insurance partner. If needed, the host may request that you provide a written statement or additional evidence.

💸 What You’re Responsible For

  1. Deductible: Guests are responsible for up to $250 per trip in the event of physical damage or theft.
  2. Related Costs: This can include towing, key replacement, or additional recovery costs as determined by the claim.

🧭 How Mobi Helps

Mobi acts as the marketplace and does not manage claims—but we’re here to support you by:
  1. Helping you communicate with your host
  2. Providing guidance on what to expect
  3. Clarifying your insurance terms and responsibilities
If you’re unsure what to do next, reach out to Mobi Support and we’ll point you in the right direction.

đź”— Questions About Coverage?

For policy details or to escalate a claim, the host may work directly with our insurance partners.

    • Related Articles

    • 🚨 Accident Support for Mobi Hosts

      As a Mobi host, you're the owner of your business—and 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 ...

    • 🛡️ Guest Insurance Coverage

      Every trip booked on Mobi includes insurance—whether you're driving for gig work or personal use. We've simplified our coverage to make things easy and transparent for you. ?️ What’s Included Mobi provides insurance coverage through our trusted ...

    • 🛡️ Mobi Host Insurance Coverage & Protection Plan

      Mobi partners with third-party insurance providers to offer protection for both hosts and guests while a vehicle is in use on the Mobi platform. Here's how our coverage works and what you need to know. ? Coverage Overview Every trip booked through ...

    • ⚖️ Mobi Terms of Service

      Terms of service Last revised: June 1, 2025 PLEASE READ THESE TERMS OF SERVICE CAREFULLY. THEY CONTAIN IMPORTANT INFORMATION THAT AFFECTS YOUR RIGHTS, REMEDIES, AND OBLIGATIONS. THEY INCLUDE AN AGREEMENT TO ARBITRATE (UNLESS YOU OPT OUT). THESE TERMS ...

    • 🏆 Mobi MVP Host Playbook Intro | How to Maximize Your Earnings on Mobi

      Welcome to Mobi. You're not just renting out your car—you’re building a business. We’ve built Mobi to support entrepreneurial hosts who are ready to operate like pros. This guide outlines your responsibilities, recommended best practices, and ...