If damage is reported on a part of your car where there is also pre-existing damage, the cost to repair the pre-existing damage won’t be covered under this claim.
The exclusion of pre-existing damage is listed in the Damage policy.
Determining repair costs for the new damage
If we’ve made a previous cash settlement for damage to the same part, we’ll get a quote to repair the entire area. The previous settlement amount will be deducted from the quote and only the difference between the full quote and the settlement amount will be considered in this case.
- In July you receive a cash settlement for $250 for some minor damage to your bumper
- The following February you submit a new damage report for a dent in your bumper
- We get a quote to repair the whole bumper for $600
- $600 - $250 is $450 so this claim is for $450 to repair just the dent
If we haven’t made a previous cash settlement for damage to the same part, we’ll get a quote to repair just the new damage.
You can choose to:
- take a cash settlement for the cost of repairing the new damage (as determined by the process above) OR
- have us manage the repairs for the whole area and you cover the cost of repairing the pre-existing damage (either the amount you previously received as a cash settlement or the difference between quotes for repairing the whole area and repairing just the new damage)
Your car doesn't have vehicle protection of Uber Carshare between bookings. If the pre-existing damage occurred between bookings (or before you listed your car on Uber Carshare), you'll need to pay the full cost of repairing the pre-existing damage and make a claim with your own insurer.
If you believe the pre-existing damage was caused by a borrower, submit a separate damage report (bearing in mind that we will only investigate damage that was caused within 42 days of the report).