If you are in an accident
- Move to safety. Call 911 if anyone is hurt or the scene is unsafe.
- Document the scene with photos from multiple angles, the other driver's information, and the police-report number if available.
- Notify ZEVO as soon as possible. Reporting within 24 hours is encouraged; the binding filing deadline is 72 hours.
- Submit requested claim materials through the ZEVO claim flow or to [email protected].
Coverage overview
- Only the insured driver named on the booking may operate the vehicle. There is no additional-driver approval path.
- Auto liability remains administered through TeqMobility/Davies, with a limit of up to $1,000,000.
- New physical-damage claims opened on or after July 13, 2026 are administered through Continuum Mobility and ClaimSorted. Physical-damage claims opened before that date remain with Davies until closed.
- Physical-damage reimbursement is based on Actual Cash Value (ACV), with a program ceiling of $105,000.
- Deductible: $2,500 for vehicles up to $50,000 ACV; $5,000 for vehicles from $50,001 through $105,000 ACV. Vehicles above $105,000 ACV are not eligible for this physical-damage benefit.
- The applicable deductible is generally settled between the driver and host; it is not an automatic flat charge by ZEVO.
- Glass, including windshields, windows, mirrors, and headlights, is generally excluded and is resolved between the host and driver.
Active rideshare and delivery trips
ZEVO program coverage does not apply the same way during an active rideshare or delivery trip, such as after accepting a passenger or delivery. The gig platform's coverage rules apply during those periods. Tell ZEVO Customer Care and the platform about the incident.
Claim status and evidence
- Claim decisions and adjuster-level status come from the assigned adjuster or claims portal, not Customer Care.
- Claims require supporting evidence. Missing photos, reports, or requested documents can delay review.
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