Eligibility and Service Area¶

This page collects product eligibility rules for vehicles, drivers, service area, and enrollment restrictions.

Vehicle eligibility¶

Vehicles applying to the program must meet these criteria:

Criterion	Requirement
Model year	Domestic and European Coupes & Sedans must be 15 years or newer; all other brands and models should be 20 years or newer.
Body styles	Sedan, Coupe, SUV, Truck, Trailer, or Van up to 9 seats.
Original retail value	$100,000 or less.
Expected annual mileage	30,000 miles or less.
Accident history	Maximum of 1 accident in the past 6 months.
Vehicle usage	Auto should not be for commercial use. Vehicles used for ride-sharing like Uber and Lyft must disclose this at joining and will not be allowed to join GDC.
Liability insurance	Must maintain valid state-mandated liability insurance during the GDC Plan.
Vehicle condition	Must not have a salvage or branded title, exceed state-mandated total loss threshold, have significant body, fire, or flood damage, be unregistered, stolen, illegally obtained, or banned from public roads.

Eligible brands include Acura, Alfa Romeo, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, Fiat, Ford, GMC, Genesis, Honda, Hyundai, Infiniti, Jaguar, Jeep, Kia, Land Rover, Lexus, Lincoln, Mazda, Mercedes-Benz, Mercury, Mini, Mitsubishi, Nissan, Oldsmobile, Pontiac, Plymouth, Ram, Scion, Smart, Subaru, Suzuki, Tesla, Toyota, Volkswagen, and Volvo.

During the joining process, the GDC app provides instant feedback with a specific reason for rejection if a vehicle does not qualify.

Vehicle exclusions¶

Excluded vehicles include:

Antique and classic vehicles.
Motorcycles, all-terrain vehicles, recreational vehicles, golf carts, snowmobiles, jet skis, boats, buses, commercial vehicles, emergency and first-responder vehicles, heavy equipment, and farm equipment.
Custom "kit" vehicles.
Gray market vehicles.
Fully autonomous vehicles: Alphabet Waymo, GM Cruise, Hyundai Motional Ioniq5.
Military-style vehicles, because they are not typical OEM passenger-style vehicles.
Luxury brands, including Arrinera, Aston Martin, Bentley, Bollinger, Bugatti, Canoo, DeLorean, Ferrari, Fisker, Hennessey, Hummer, Ineos, Karma, Koenigsegg, Lamborghini, Lordstown Motors, Lotus, Lucid, Maserati, Maybach, McLaren, Noble, Pagani, Pininfarina, Polestar, Porsche, Rimac, Rivian, Rolls Royce, Saleen, Saturn, Spyker, SSC, VinFast, W Motors, and Zenvo.

Selected luxury or sporty vehicle models from otherwise eligible brands are also excluded, including BMW M Series models, XM, i8; Mercedes Benz AMG GT sedan and coupe models and SL Roadster; Audi R8 Coupe, R8 Spyder, and RS models; Tesla Model X, Model S, and Cyber truck; Chevrolet Camaro ZL1 1LE and Corvette C8 models; Cadillac Escalade V-Series, CT5 V-Series, and CT4 V-Series; Ford Mustang GT350 and GT500, Bronco Raptor, Ranger Raptor, and F150 Raptor; Dodge Hellcat, Demon, Durango SRT Hellcat, and Ram TRX; Jeep Grand Cherokee Trackhawk; and Nissan GT-R.

Service area and address eligibility¶

The GDC Program is active for member use only within the United States.

Membership is available to those with a valid U.S. address as listed on their liability insurance declarations page, provided that address is not in:

Hawaii
Alaska
New York
Massachusetts
Rhode Island

For address verification, GDC considers only the address listed on the liability insurance declarations page. Addresses on a driver's license, utility bill, or other documents are not used to determine address eligibility.

If a member resides in an eligible state but occasionally drives to an excluded state, the member can still submit a sharing request if an accident occurs there.

Members who are already part of the mutual aid network can apply for services like normal if they have an accident while driving in an area where the service is not yet available.

Business use, commercial use, company-owned cars, and LLC vehicles¶

GDC allows business use but not commercial use.

Business use generally means:

Driving to different work locations.
Visiting clients or job sites.
Carrying tools or samples, not for hire.
Occasional work-related errands.

Examples that usually fit personal policy business use include a realtor driving to show homes, a sales rep visiting clients, a nurse driving between hospitals, an IT consultant visiting offices, or a self-employed professional using a car to get to jobs.

Commercial usage examples include delivery driving, rideshare such as Uber or Lyft outside of app coverage, construction vehicles regularly hauling materials, towing, landscaping, mobile services, multiple drivers except household members using the same vehicle, and vehicles advertising the business prominently.

Rule of thumb:

If the car helps you get to work, it is personal policy business use.
If the car is the work, it is commercial policy.

Vehicles titled to an LLC or corporation are eligible to join under GDC guidelines if the vehicle is used for personal purposes or permitted business use. GDC evaluates the vehicle's true purpose. If the vehicle is used for commercial purposes, it is prohibited from joining GDC.

GDC does not accept an LLC or a business as a member. It accepts a human individual as a member with a car owned by a business as long as it is not for commercial usage. Sharing contributions cannot be recognized as company expense for tax purposes.

Plan holders, co-drivers, payment responsibility, and multiple vehicles¶

A single identity driver's license can be associated with an unlimited number of GDC Plans, provided the individual is listed on the insurance declarations page for each vehicle, either as the plan holder or as a co-driver.

A person can pay for an unlimited number of GDC Plans if they are involved in each plan as either the plan holder or a co-driver. If someone is not the plan holder or a co-driver of the plan being paid for, they cannot pay for that plan.

Each car requires its own GDC Plan. Multiple cars can be enrolled at once, and the system can manage the details when the user selects multiple cars for enrollment during the quote process.

There is no strict rule requiring all cars to be added under one account, but:

If a person intends to drive a vehicle, they must be listed as a co-driver on that car's GDC Plan.
Each GDC account must be associated with a unique driver's license.
GDC recommends enrolling all cars under a single account for easier management.

For maximum number of vehicles:

If the current GDC Plans that are effective or waiting to become effective, excluding renewals for the same vehicle, are less than 7, a user may add all vehicles shown on a declarations page at once, even if the total becomes more than seven.
If there are already at least 7 GDC Plans that are effective or waiting to become effective in the current account, the user cannot continue to add new plans.

Driver matching and additional drivers¶

GDC requires the drivers added to a GDC Plan to match exactly with those listed on the vehicle's insurance declarations page. There is no specific limit on the number of drivers, but an accurate match is essential.

Someone can join using a vehicle they do not own, but they must be on the vehicle's auto insurance declaration page as co-driver or policy holder.

Members can add drivers to a GDC Plan that they have already paid for. For an effective GDC plan, a new driver can be added at any time through the plan details page and driver management flow. The user verifies PIN, adds the new driver's information, previews how the remaining pledge balance changes, and confirms the new driver.

GDC does not allow excluding a driver after the plan is initiated with the drivers listed on the declaration page.

If a plan holder shares a car with a roommate, the roommate should be added as an additional driver when initially joining and getting a quote. Otherwise, if the roommate is not added and an accident occurs while the roommate is driving, the member will not be eligible to submit a sharing request.

Increasing the number of drivers will result in a higher quote price.

Driver licenses, financed vehicles, leased vehicles, and rental vehicles¶

Temporary driver's licenses are acceptable to join GDC.

GDC currently accepts only valid driver's licenses issued within the 50 U.S. states, including both permanent and temporary licenses.

Financed cars are welcome to join GDC. GDC is not insurance; it is a member-based cost-sharing program. Members should notify their lienholder about participation in GDC after enrollment. If the lender requires cancellation of the GDC plan:

Canceling before the GDC plan takes effect: the 20% Service Fee is refunded.
Lender denies eligibility after plan takes effect: the 20% Service Fee is refunded; Weekly Sharing is non-refundable.

Long-term leased vehicles are no longer eligible for enrollment starting from 12:00 AM Pacific Time on March 20, 2026. Leased vehicles already enrolled in an active GDC Plan before that date continue to be handled during the current plan term, but they are not eligible for renewal after the current plan term expires.

For leased vehicles deemed a total loss, the member must first settle all losses and related fees with the leasing company and obtain the vehicle's title before applying for GDC mutual aid. Long-term leased vehicles must keep full coverage, including collision, comprehensive, and liability, with their insurance company. In the event of an accident, members should file a claim with their insurer first.

A short-term rental car cannot be enrolled in the GDC plan. A temporary rental vehicle used while a primary car is being repaired through GDC may qualify for sharing under certain conditions.