If an accident occurs, Getaround’s insurance will handle it. You do not need to involve your regular insurer. No insurance malus will be applied to you, it's the driver who will be held responsible of the possible damages if you rented a vehicle properly maintained in the beginning of the rental.
The driver informs you an accident occurred : you don't have to interfere. Ask him to take pictures, and if the accident involves a third party, to fill the accident report. The insurance policy number is with the glovebox documents or can be obtained by contacting Getaround Customer Support. You can continue your trip if it's possible, otherwise Getaround's roadside assistance can recover the vehicle if it can't be driven anymore.
Wait for the end of the rental : no need to contact Getaround, we can't open a claim without the documents you'll fill with the driver at the end of the rental (rental agreement and damage report).
When the driver comes back, start by filling in the rental agreement.
Then, fill the damage report together, accessible on the rental page by clicking on "Report an incident". The damage report has to be signed by both parties so your claim is complete. Each of you has to keep a copy of it : it needs to be filled in two copies - or one you keep and the other taken in picture by the driver.
Report the incident to Getaround (within the 2 days following the end of the rental) : you have to report the incident from Your rentals > [selected rental] > Report an incident, from a web browser (not from the app). Please attach every document you have to make your request's treatment faster. More informations about it on the article “Report an incident”.
We get back to you : Getaround will contact you within a maximum of 10 business days to organize the takeover of your vehicle.