[mseebach]

> You can't just be 'double insured', insurance is usually on the license, not on the driver.

In the US, that's not the case - I'm not perfectly sure how it works, but you can often use your own car insurance when you're driving a rental. And of course double insurance is possible, it's entirely up to the insurance company. Insurance is obviously one of the things FlightCar would need to deal with.

All in all, the issues facing FlightCar are not much different from those facing AirBnB which despite similar objections is doing fine.

[jacquesm]

There is a huge difference between AirBnB and FlightCar: It's hard to steal a house, and it's hard to crash into someone else's house using your house.

AirBnB pushes a lot of the verification responsibilities onto the renter, I can't see how that would work in this case. Anybody that can't afford a regular rental is certainly not going to be able to afford the value I place on my time for the extra hassle that comes with the use of my car. And I care a lot more for my car than Hertz or Avis cares about theirs.

All this adds up to me probably not being in their target demographic on the supply side. And on the demand side I'd rather deal with Hertz, Avis or Budget (but never again with Sixt, what a bunch of scammers) when it comes to making sure damage is noted properly before pickup, having staff on site to deal with any issues with the car (not unknown to happen) and to know that there is a full operational support service behind the product in case I need assistance once underway. I've had an Avis car break down on me in the US, and the speed and professionalism with which this was dealt with left me very impressed.

And that for a price for which I as a private individual would be loathe to let another person unknown to me drive my car.

[rprasad]

The issues FlightCar faces are very different from those AirBNB faces.

For starters, auto insurance is mandatory in the U.S.; homeowner's insurance is not. Strict laws govern auto insurance coverage, liability, and claims. These laws vary by state. This means that accidents by a renter can affect no-claim policies in many states.

Second, as others have noted--cars are easy theft targets. Homes are not, and aside from a few high-dollar items like TVs or computers, neither are the contents of most homes. Assuming that FlightCar is able to find an insurer willing to cover this theft risk, the policy would start in the millions just for California-level coverage.

Finally, asset seizures are a far bigger problem with cars than with homes. A car used to transport drugs can be seized by the authorities and impounded. The laws are very generous to the authorities for drug-related asset seizures. For purposes of drug-related asset seizure laws, if a person is driving a car with permission of the owner (i.e., even as a rental), their actions are imputed to the owner for purposes of justifying seizure. (This maxim has been tested repeatedly in the courts.) In other words: if a renter transports drugs, gets caught, and your car gets seized, you're SOL. Insurers don't cover this at the personal level; even if they provide coverage to a business like FlightCar the policy would be prohibitively expensive.