RIDELOCAL DAMAGE, ACCIDENT AND CLAIMS POLICY

Incident Response, Vehicle Loss and Claim Resolution

Version 0.1 | Prepared July 19, 2026 | Published July 19, 2026 | Effective July 19, 2026

RideLocal Inc. | 7077 Jewella Avenue, Shreveport, Louisiana 71108

Emergency and Claim Summary

Stage

Required action

Deadline

Immediate safety

Stop safely; call 911 for injury, danger, suspected crime, major collision or legally required report; do not continue an unsafe vehicle.

Immediately

Notify RideLocal and Host

Use the in-app incident flow; if unavailable, call support and preserve proof of notice.

As soon as safely possible

Guest incident report

Identify drivers, vehicles, witnesses, injuries, location and circumstances; upload available evidence.

Immediately; no later than 24 hours absent incapacity

Host damage report

Compare pre-/post-Trip condition; identify each claimed item and upload evidence.

Within 24 hours after scheduled Trip end or recovery

Vehicle preservation

Do not repair, dispose of, alter or release salvage before inspection unless necessary for safety or mitigation.

Until authorized

Coverage handling

Licensed insurer or authorized claim administrator determines coverage, defense and benefits.

Under issued documents and law

RideLocal contract review

RideLocal determines platform records, Agreement compliance, charges and account action within its lawful role.

After reasonable evidence review

Guest response

Review the claimed items and provide photos, insurance and other relevant information.

Within 5 business days after notice

Dispute

Request internal review with supporting material.

Within 30 days after decision, subject to shorter policy deadlines

The $100 security authorization hold is not a damage cap. A deductible is not a minimum claim threshold. No party may recover twice for the same loss.

RideLocal Damage, Accident and Claims Policy

1. Scope and Incorporation

This Damage, Accident and Claims Policy (“Policy”) is incorporated into the RideLocal Terms, Host Terms, Guest Terms, Trip Agreement, Fee Schedule, Vehicle Eligibility and Prohibited Use Policy, and applicable Commercial Dealer documents (collectively, the “Agreement”). It governs incident reporting and contractual allocation of vehicle loss. An issued insurance policy or protection agreement controls coverage, benefits, exclusions, deductibles and claim deadlines; mandatory law controls over inconsistent language.

RideLocal is a marketplace and contract administrator. Except to the extent RideLocal or an affiliate is properly licensed or acts through an authorized licensed provider, RideLocal does not adjust insurance, determine legal fault for third-party liability, promise defense, settle bodily-injury claims or provide legal advice. RideLocal may preserve records, route reports, administer contractual charges, enforce platform rules and cooperate with insurers and authorities.

2. Definitions

“Accident” means a collision or other event causing or potentially causing bodily injury, property damage or vehicle loss.

“Approved Driver” means a person expressly identified and approved in the Trip Agreement before driving.

“Damage” means physical loss or impairment beyond ordinary wear and tear, including collision, theft, vandalism, fire, water, glass, interior, mechanical-abuse, tire, wheel, key and installed-equipment loss.

“Incident” includes an Accident, theft, vandalism, breakdown, warning condition, impound, animal strike, weather event, fire, flood, lost key, tire or wheel event, or other circumstance that may produce a claim.

“Ordinary Wear and Tear” means gradual deterioration resulting from proper ordinary use, not a new dent, scratch, chip, crack, stain, burn, tear, odor, missing item, wrong fuel, collision damage or abuse-related mechanical damage.

“Trip Custody” begins when the Guest or Approved Driver receives possession, keys or access at or after Trip start and ends when the vehicle is returned as agreed and the Host or authorized designee retakes possession, subject to mandatory statutory timing.

“Vehicle Loss” means covered or contractually recoverable Damage and related items allowed by the Agreement, issued coverage and law.

3. Responsibility During Trip Custody

To the maximum extent permitted by law and subject to issued coverage, the primary Guest is responsible for documented Vehicle Loss occurring during Trip Custody, regardless of who caused the event, except for the exclusions in Section 4. This contractual responsibility includes acts of Approved Drivers, passengers, unapproved drivers to whom the Guest gives access, and persons or conditions the Guest could reasonably control. Legal fault remains relevant to third-party liability, insurance, contribution and recovery.

The Guest’s responsibility is reduced by amounts actually recovered for the same element of loss from an insurer, responsible third party, Host, salvage, warranty or other source. The Guest must reasonably cooperate in recovery against a responsible third party but is not charged twice while recovery remains pending. RideLocal may temporarily reserve a supported amount subject to reconciliation.

4. Loss Not Chargeable to the Guest

The Guest is not responsible to the extent reliable evidence shows the claimed loss is:

preexisting and not worsened during the Trip;

ordinary wear and tear from proper use;

a latent manufacturing or design defect not caused or aggravated by the Guest;

caused solely by an unrepaired safety recall, Host maintenance failure, unsafe pre-Trip condition or normal mechanical breakdown;

caused after Trip Custody ended or while the Host or its agent controlled the vehicle;

the Host’s routine cleaning, maintenance, depreciation or cost of improving the vehicle beyond its pre-loss condition;

unsupported by reliable evidence or barred by mandatory law; or

already paid or recovered for the same element of loss.

When multiple causes contribute, responsibility is allocated to the extent reasonably supported. An insurer’s coverage denial does not by itself prove Guest liability, and coverage approval does not by itself establish legal fault.

5. Immediate Accident Duties

After an Accident or dangerous Incident, the Guest and each Approved Driver must:

stop immediately in a safe lawful place and render reasonable assistance;

call 911 for injury, fire, suspected crime, significant collision, blocked roadway, hazardous condition or whenever law requires;

avoid admitting legal fault, promising payment, signing a release or negotiating a bodily-injury settlement;

exchange driver, vehicle and insurance information as law requires without surrendering the original license or RideLocal account;

identify witnesses and photograph or record the scene, vehicles, plates, road, signals, debris and visible injuries when safe and lawful;

notify RideLocal and the Host as soon as safely possible and follow towing, roadside, insurer and law-enforcement instructions;

protect the vehicle from additional loss and stop driving when continued operation may cause injury or damage; and

cooperate with testing or reporting legally required after the event.

A failure to complete a step does not automatically defeat a claim. Consequences apply only to the extent allowed by law and the failure materially causes loss, impairs investigation, violates coverage or constitutes intentional misconduct.

6. Theft, Vandalism and Hit-and-Run

The Guest must promptly report suspected theft, attempted theft, vandalism, hit-and-run, stolen keys or unauthorized use to police, RideLocal and the Host; preserve all keys and access credentials; and provide the report number. The Guest may not pursue or confront a suspect. A false theft report or intentional concealment is a material breach and may be referred to authorities.

7. Breakdown and Warning Conditions

The Guest must stop safely and report overheating, low oil pressure, brake warning, tire-pressure loss, charging-system fault, fluid loss, unusual noise, smoke, vibration or another material warning. The Guest may move the vehicle only as reasonably necessary to reach immediate safety unless the manufacturer, emergency personnel, roadside provider, insurer, Host or RideLocal authorizes more. Continued driving after a material warning may make the Guest responsible for resulting incremental damage.

8. Tire and Wheel Allocation

The Host is responsible for tire failure caused by ordinary wear, inadequate tread, dry rot, an unsafe pre-Trip condition, defect or inadequate inspection or maintenance. The Guest is responsible for tire or wheel damage caused by collision, curb or pothole impact, misuse, prohibited use, improper inflation after a warning, or continued driving after pressure loss or warning.

For an ordinary no-fault road-hazard puncture that is not attributable to Host condition or Guest misuse, the Guest pays the actual reasonable repair cost up to $50. The Host pays any remaining repair cost or replacement cost. If safe repair is not possible, the Host bears replacement beyond the Guest’s $50 cap. Roadside dispatch, towing and mobility costs follow the applicable roadside or coverage terms and the cause of the event.

9. Wrong Fuel, Charging and Fluids

The Guest is responsible for documented damage and necessary mitigation caused by wrong fuel, contaminated fuel knowingly introduced, incorrect fluid, incompatible charging equipment, unsafe charging practice or continuing to operate after a related warning. The Host remains responsible for inaccurate instructions, defective equipment, preexisting contamination or a vehicle fault not caused by the Guest.

10. Animals, Interior, Glass and Weather

Interior, animal, glass, hail, flood, falling-object, fire and weather losses are evaluated using custody, causation, reasonable precautions, prohibited use and issued coverage. The Guest is not automatically liable merely because an event was weather-related, but is responsible when breach or unreasonable conduct caused or increased the loss—for example, leaving windows open in rain or knowingly driving into floodwater. Cleaning and smoking violation fees are governed by the Fee Schedule; overlapping physical damage must be credited to prevent double recovery.

11. Required Condition Evidence

Both sides must complete RideLocal’s check-in and checkout condition process. Required evidence ordinarily includes clear time-stamped images of all sides, wheels and tires, windshield and glass, roof where practical, interior, dashboard/warnings, odometer, fuel or charge, keys and listed equipment. The Host must disclose existing damage; the Guest must identify discrepancies before departure.

Missing evidence does not create automatic liability. RideLocal and the claim provider may consider the quality of the available photos, inspection history, timing, messages, repair records, telematics, witnesses and other reliable proof. When the Host fails to supply required pre-Trip evidence, an ambiguous claim should not be resolved against the Guest solely because the Guest had custody. Fabricated, recycled, altered or misleading evidence is a material breach.

12. Reporting Deadlines

The Guest must report an Incident as soon as safely possible and ordinarily within 24 hours. The Host must report claimed Damage through RideLocal within 24 hours after scheduled Trip end, actual return or recovery, whichever reasonably permits inspection. The report must identify each damaged area and include available pre- and post-Trip evidence.

RideLocal may accept a later report when injury, hospitalization, vehicle disappearance, delayed discovery, delayed police access or another circumstance made timely reporting unreasonable and the delay did not materially prejudice investigation. An issued policy or protection agreement may impose a controlling deadline. Reporting to the other user alone is not a RideLocal claim filing.

13. Preservation and Inspection

The Host must take reasonable steps to prevent further damage and make the vehicle available for inspection. Except for emergency stabilization, legally required action or reasonable mitigation, no party may repair, dismantle, dispose of, sell, alter or release salvage before the insurer, authorized administrator or other entitled party has a reasonable inspection opportunity. A party that causes avoidable prejudice may lose only the portion of recovery affected.

RideLocal may require photographs, diagnostic scan, independent inspection, repair-history records, title and lien documents, service records, keys, police report, witness information, telematics, towing or storage invoices, and proof of authority. Inspection cost is allocated under issued coverage or, for a contractual claim, to the responsible party only when reasonable, disclosed and supported.

14. Claim Intake and Separation of Roles

RideLocal will create a case, preserve relevant platform records, notify the parties and route insurance matters to the appropriate licensed insurer or authorized claim administrator. The coverage provider decides policy coverage, limits, exclusions, deductibles, defense, appraisal and settlement. RideLocal separately decides Agreement compliance, account restrictions, payout holds and contractual post-Trip charges within its lawful role. One decision does not automatically control the other.

For a Commercial Dealer Rental, the Dealer is the lessor and must follow its commercial policy, Host–Guest Vehicle Rental Agreement and applicable claims law. The Dealer may not use RideLocal’s peer-to-peer coverage assumptions unless the coverage provider expressly confirms applicability.

15. Direct Resolution Between Host and Guest

A Host and Guest may discuss a small property-damage resolution only after filing a RideLocal report and only through the in-app claim workflow. Direct resolution is voluntary. Neither party may pressure the other, require cash, conceal the event from an insurer, impair subrogation, settle bodily injury, sign away another person’s rights or represent that RideLocal guarantees the agreement.

A direct settlement must identify the damaged item, evidence, amount, payment timing and release scope. Payment must occur through RideLocal unless RideLocal gives written instructions. The settlement must credit insurance and other recoveries and may not exceed the Guest’s contractual or coverage responsibility. RideLocal may require insurer approval or route the matter to formal claims at any time.

16. Eligibility and Causation Review

A claim requires a covered or contractually recoverable loss, reliable proof that it occurred or materially worsened during Trip Custody, compliance with material conditions to the extent required by law, and a reasonable causal link to the claimed amount. RideLocal or the claim provider may reject preexisting, ordinary-wear, maintenance, recall, fraudulent, inflated, duplicate, unrelated or insufficiently documented items.

Where fault or control is disputed, RideLocal will preserve booking start/end, access, return, message, location and other available records. Louisiana and Texas law can impose consequences on a peer-to-peer program that fails to retain or provide required control records in a coverage dispute; product systems must not shift that statutory risk to users.

17. Estimating Repair Cost

Recoverable repair cost is the reasonable amount needed to restore the vehicle substantially to its documented pre-loss condition using lawful repair methods and parts of comparable kind and quality. The reviewer may use photo appraisal, field inspection, diagnostic data, repair facility estimate, estimating database, manufacturer procedure and supplements discovered during repair.

An initial estimate is not necessarily final. A supplement must identify newly discovered related damage and be submitted promptly with photographs, scan data or repair documentation. Unrelated maintenance, elective upgrades, preexisting damage, inflated labor, unsupported markup and betterment are excluded. Sales tax and required fees are included only when incurred or recoverable under governing coverage and law.

18. Repair Choice and Payment

The Host ordinarily chooses a lawful repair facility, subject to issued policy rights and reasonable cost review. RideLocal does not warrant repair quality. Payment may be made to the Host, lienholder, repairer or other entitled party as coverage and law require. A contractual payment based on an estimate may require proof of repair when necessary to avoid duplicate recovery, ensure safety or determine a supplement.

A Host may elect not to repair, but recovery may be limited by coverage, lien rights, proof of actual loss, prior unrepaired damage and law. RideLocal may require a post-repair safety inspection before relisting. The vehicle may not be available while unsafe or while an unrepaired claim prevents reliable future condition comparison.

19. Betterment, Depreciation and Prior Damage

A claim may not place the Host in a materially better position than immediately before the loss. Reasonable betterment or depreciation may apply when repair replaces a substantially worn consumable or adds measurable value, subject to coverage and law. No deduction should be applied merely because a used vehicle receives a proper repair. Prior unrelated damage and unrepaired prior payments must be identified and excluded or allocated.

20. Total Loss and Salvage

A licensed insurer or authorized administrator determines insurance total loss under the policy and applicable law. A contractual total-loss valuation ordinarily uses pre-loss actual cash value based on comparable vehicles and documented condition, mileage, options and prior damage, plus recoverable taxes and fees, less applicable deductible, salvage or other lawful adjustments. The Host must disclose title, lien and prior-loss information and cooperate with title and salvage transfer.

Gap debt, negative equity, sentimental value, aftermarket value without proof and replacement-vehicle price are not automatically recoverable. No party may retain both full total-loss value and salvage unless the valuation expressly deducts salvage value and law permits retention.

21. Loss of Use, Diminished Value, Storage and Towing

Loss of use is recoverable only when allowed by the applicable coverage, Agreement and law and supported by a reasonable repair or replacement period, actual booking history or other reliable proof. It is not an automatic daily penalty, may not exceed reasonably proven loss, and must account for avoided expenses and mitigation. Diminished value is recoverable only when legally available and supported by reliable evidence after proper repair or total-loss analysis.

Necessary towing and storage are recoverable when caused by a Guest-responsible event, but charges must be reasonable and mitigated. Excessive storage caused by Host delay, failure to authorize inspection or refusal of a reasonable release is not chargeable to the Guest. Roadside and coverage benefits must be applied before duplicate collection.

22. Deductibles, Protection Limits and Below-Deductible Damage

A deductible or out-of-pocket maximum is the amount allocated by an issued policy or protection agreement; it is not a minimum damage threshold. If documented eligible loss is below the applicable deductible, the Guest remains responsible for the actual reasonable amount, subject to contractual limits and exclusions. If loss exceeds the applicable limit, responsibility is determined under the issued documents and law.

Coverage does not eliminate responsibility for excluded loss when the Agreement lawfully assigns that loss to the Guest. Conversely, a contractual clause does not create insurance coverage. RideLocal must display the applicable coverage, deductible or maximum before booking and provide the issued document; this Policy cannot supply a missing term.

23. Security Hold and Interim Collection

RideLocal may preserve or capture all or part of the $100 security authorization hold when a reasonably supported open obligation exists. The hold is not a damage cap and does not prove responsibility. RideLocal may charge a supported amount beyond $100 under the accepted payment authorization after notice and applicable response opportunity.

At MVP launch, RideLocal charges no separate claim-processing or damage-deposit fee. An insurer or third-party administrator may impose only an amount stated in its issued and accepted documents. Any temporary collection must be reconciled promptly after final determination, and excess funds must be refunded.

24. Third-Party Liability and Bodily Injury

Bodily injury and damage to another person’s property must be referred promptly to the applicable insurer. Users must forward demands, lawsuits, subpoenas and insurer communications without substantive response, cooperate in defense, preserve evidence and avoid voluntary payment or admission. Nothing in this Policy limits a nonwaivable right of an injured person or an insurer’s duties.

25. Insurance Priority, Recovery and Subrogation

Insurance priority and the duty to defend are determined by Louisiana or Texas law and the applicable policies. Personal policies may exclude peer-to-peer sharing or commercial use. RideLocal will not require another insurer to deny a claim first when governing law prohibits that condition. The person or entity paying a loss may pursue a responsible third party through subrogation, contribution or indemnity to the extent allowed. Users must cooperate and may not impair those rights.

26. No Double Recovery

Every payment, deductible collection, settlement, salvage receipt, warranty payment, third-party recovery and refund for the same element of loss must be credited. RideLocal may reopen an accounting to correct duplication, but may not reopen final coverage merely to create a new exclusion. The claim statement must show gross loss, excluded items, adjustments, recoveries, Guest amount, Host amount and remaining balance.

27. Fraud, Misrepresentation and Noncooperation

Staged loss, altered evidence, false driver or control information, concealed preexisting damage, inflated invoice, duplicate claim, false theft report, collusion or material omission may result in denial to the extent allowed, account termination, payout recovery, insurer referral, civil recovery and law-enforcement referral. RideLocal will distinguish mistake or reasonable disagreement from intentional misconduct and provide a response opportunity when safety and law permit.

Noncooperation affects a claim only to the extent it is material and prejudicial under the Agreement, issued coverage and law. No user must surrender a privilege or protected right, but a refusal to provide reasonably necessary nonprivileged evidence may prevent the requesting party from proving the claim.

28. Decisions, Statements and Disputes

The user will receive an itemized claim statement or access to the claim dashboard showing reported damage, evidence, estimate or valuation, coverage treatment when supplied by the provider, credits, requested amount and response instructions. RideLocal will not disclose protected claim or medical information beyond authorized recipients.

A user may request RideLocal contractual review within 30 days after a RideLocal decision and submit additional evidence. Insurance appeals follow the issued policy and provider procedure, which may have shorter deadlines. An internal review does not waive arbitration, small-claims, appraisal, regulatory complaint, insurance or other nonwaivable rights. Undisputed amounts remain due while a distinct item is reviewed.

29. Records and Privacy

RideLocal will preserve Trip agreements, control times, messages, condition evidence, payment records, insurance/protection information, claim submissions and resolutions under the Privacy Policy—ordinarily seven years after final claim resolution, and longer during a legal hold. RideLocal will provide records to an owner, Guest, insurer, regulator or authority when authorized or required and will limit medical and sensitive information to those with a legitimate need.

30. Changes and Contact

RideLocal may revise this Policy prospectively. The version accepted for a Trip governs that Trip unless mandatory law or an issued coverage document requires another result. Report an emergency to 911. Claims and questions may be submitted through RideLocal support, by email to midsouthacceptancecorp@gmail.com, by telephone at (318) 687-9500, or by mail to RideLocal Inc., 7077 Jewella Avenue, Shreveport, Louisiana 71108.

State-Specific Provisions

Louisiana

For a Trip governed by Louisiana’s Peer-to-Peer Car Sharing Program Act, RideLocal must ensure qualifying primary liability coverage during the car-sharing period, provide statutory disclosures, and collect and verify Trip-use records. Required records must be provided on a proper owner or insurer request to facilitate claim coverage investigation. Louisiana law addresses program liability when control is disputed and required records are unavailable and permits insurer contribution in specified circumstances. Mandatory law and issued coverage control.

Louisiana House Bill 625 of the 2026 Regular Session proposed additional physical-damage insurance obligations when a contractual protection package is not in effect. RideLocal must have Louisiana counsel confirm the measure’s final legislative status, effective dates and implementing requirements and revise coverage and this Policy if necessary.

Texas

For a Trip governed by Texas Business & Commerce Code Chapter 113, RideLocal must ensure qualifying primary liability insurance during the car-sharing period. The Chapter addresses insurance lapse, coverage without requiring another insurer’s prior denial, control disputes, required records, contribution and claims cooperation. Rental-company vehicles under Chapter 91 arrangements must use the Commercial Dealer Rental lane and the Dealer’s approved commercial claim procedure.