Welcome to Dnookk. We are a peer-to-peer car-sharing marketplace that facilitates connections between vehicle owners (Hosts) and travelers (Guests).

Important Disclaimer of Liability:

Dnookk is a technology platform, not a rental car company or an insurance provider. Dnookk assumes no responsibility for, and shall not be liable for, any damages of any form—including but not limited to physical damage to the vehicle, mechanical failure, personal injury, or death—occurring to the Guest, passengers, or third parties during a reservation.

By using the platform, you acknowledge that the contract for the vehicle’s use and protection is strictly between the Host and the Guest.

1. Mandatory Insurance Verification

To ensure a safe experience, dnookk requires a two-tiered verification process before any vehicle leaves the owner’s possession:

• Owner Responsibility: Vehicle owners must ensure their vehicles are covered by a commercial or peer-to-peer-compliant Renters Insurance Policy. It is the Host’s duty to maintain valid registration and insurance that specifically allows for third-party rental usage.
• Guest Responsibility: Before driving away, Guests must receive and verify physical or digital proof of insurance from the Owner. If an owner cannot provide valid insurance documentation at the time of pickup, do not proceed with the rental and contact dnookk support immediately.

2. Physical Damage Coverage

Physical damage refers to any collision or comprehensive damage (theft, vandalism, fire, weather) to the Host’s vehicle.

• Primary Responsibility: The Guest is contractually responsible for returning the vehicle in the same condition it was received.
• Protection Tiers: Guests are encouraged to check if their personal auto insurance or credit card provider offers “Non-Owned Auto” coverage.
• Damage Logs: Guests must take high-resolution photos of the vehicle’s interior and exterior (all four sides, tires, and glass) at the start and end of every trip to document pre-existing conditions.

3. Third-Party & Auto Liability

Liability insurance protects you against claims made by others for bodily injury or property damage resulting from an accident you caused.

• Minimum Financial Responsibility: It is the Host’s responsibility to provide insurance that meets the state’s minimum financial responsibility limits.
• Indemnification: The Guest agrees to indemnify, defend, and hold harmless dnookk from any claims, losses, or expenses arising from the Guest’s operation of the vehicle.
• Secondary Coverage: We recommend Guests carry their own active liability policy. In many jurisdictions, the Guest’s personal insurance may act as primary coverage, with the Host’s insurance acting as secondary.

4. How Guests Can Protect Themselves

To minimize risk and ensure you are not held liable for damages you didn’t cause, follow these protocols:

• The “Walk-Around” Rule: Never skip the pre-trip inspection. Note every scratch, dent, or upholstery stain in the dnookk app or via timestamped photos.
• Check the “Rental Addendum”: Ask the owner for a copy of the specific insurance binder that covers “renters” or “permissive drivers.”
• Verify Roadside Assistance: Confirm whether the Host’s insurance includes roadside assistance. dnookk does not provide towing or lockout services.
• Personal Excess Liability: Consider an “umbrella” policy if you plan on renting high-value vehicles to ensure you are covered beyond the Host’s policy limits.

5. Platform Indemnity & Release

By using dnookk, Guests and Hosts expressly waive any and all claims against dnookk for:

1. Direct or Indirect Damages: Any loss of income, pain and suffering, or medical expenses.
2. Insurance Disputes: Any failure of the Host’s insurance provider to pay out a claim.
3. Vehicle Condition: Any hidden mechanical defects or safety recalls that the Host failed to address.

Final Notice: Driving a vehicle without verifying the owner’s insurance policy puts you at total financial risk for the full value of the vehicle and any third-party medical claims. Always verify before you drive.