One Llama FAQ

One Llama FAQ
What are the benefits of joining One Llama?
Potential cost savings: members with no accidents can save significantly on costs associated with car collisions compared to traditional insurance.  Some members can save up to 40% if they are safe drivers and have no incidents.
Mutual Support: In the event of an accident, members can receive financial support from the community for car repairs after paying the remainder of their pledge amount.
Quality Service:  Access to high-quality car repair services through One Llama's partnership with top service providers.
Incentivized Safe Driving:  The structure of One Llama encourages members to drive safely, aiming to reduce the number of traffic incidents.
Transparency:  The program is community-driven and offering a transparent way to manage auto repair costs collectively.
Nationwide Network:  One Llama offers a nationwide network of appraisals and experts in handling incidents.
Technology Integration:  One Llama leverages technology to streamline the process and reduce cost and friction for members.
One Llama is not an insurance product but a mutual aid program where members share the cost of the repair cost.  
How do I save money joining One Llama?
Potential Savings:  At the end of the 6 months period, if members are save drivers and have no incidnts, they can save a significant part of their plan since they only participate in sharing costs for others when needed.   Members can see the significant amount remaining in their One Llama account at the end of the 6 month period.  Some members can see a balance of up to 40% of their plan remaining in their One Llama account  which they can withdraw or use for your renewal.
Incentivized to Drive Safe: Members are incentivized to drive safely because a safer driver can lead to cost savings.
Lower Overhead Costs: One Llama uses technology to reduce overhead and inefficiencies, resulting in lower costs for members.
Simple Service Fee: One Llama maintains a service fee structure that covers administrative costs, excluding the costs of accidental damages.  
Quality Auto Repair Network: Members benefit from One Llama's partnership with top service providers, ensuring quality repair services at potentially better rates.
How does One Llama ensure the quality of repair?  
Nationwide network: One Llama has built a nationwide network of experienced best-in-class auto-repair facilities that deliver the highest quality available today.
Guarantee and Warranty:  Using modern technology, systems, parts logistics management, and highly-trained personnel, all backed by industry-standard warranty and specific workmanship guarantee.  
Experienced partners:  In fact, our auto-repair network partners has handled more than 300,000 auto collision and repair claims last year getting cars of all makes and models, foreign and domestic, back on the road, back in pristine form, function and safety for drivers and their families just like you.  
What should I do when I get into an accident?
Report the Accident to One Llama and we will direct you on next steps.
Take photos of the accident scene including all vehicles involved.  
Submit a sharing request to One Llama
Wait for our TPA partner to contact you, which should be within 24 hours.
Follow-up:  If there are any issues with the repair, return to the repair shop to address these issues.  If they do not respond, then contact One Llama for further assistant.
What's the benefit when I invite my friends to join?
When you invite your friends, you earn 10% of their plan price.  In addition, you can also earn additional commission indirectly.
You earn referral rewards for each friend you successfully refer to the program.   The more friends you refer the more you can earn.
If your friends join and they are safe drivers, it can potentially increase the savings for all members at the end of the term.
Reminder before joining
We are not insurance, we don't promise to indemnify. However, we will follow everything according to our process protocol to make sure we can provide assistance to your repair to the best of our abilities.
The platform charges 30% of the plan amount as service fees. Service fees will be used to sustain the platform's daily operation and are nonrefundable.
Only first-party vehicle damages are eligible to apply for contribution, losses on third parties are not eligible
If a third party is liable to compensate members' vehicle damages, members must claim recovery from the liable third party first before they can apply for contribution from the platform
Members' auto damage, if repairable, must be inspected and repaired at one of the contracted body shops pre-selected by the platform to be eligible for contribution application
To maximize the effectiveness of members' contributions, the damaged parts, unless safety related, must be replaced by alternative (non-OEM) parts whenever available. All aftermarket, remanufactured, and reconditioned parts will carry manufacturer warranties.
Joining Overview
One Llama operates on an invitation-based model, meaning you first need to receive a referral code from an existing One Llama member to join. 
Access the One Llama app or download the app and sign up using your email (for new users, signing in automatically initiates Sign Up). 
Input the information of the car you wish to enroll in One Llama and any additional required information. 
Please check and confirm the selected plan, expected effective date, and payment method. Just follow the instructions to do so. 
Once you select a plan, you can continue to make the payments. You can choose the payment method and schedule according to your preference. 
Last step! Log into your account with the user name and password you created.  
You are all set! Upon successful joining, wait until 12:00 am(midnight) on your effective date for your One Llama plan to become active.
Qualification
Automobiles Requirements
To reduce car accidents and protect the rights of all members, vehicles joining the program must meet the following requirements: 
Model Year：All other brands & models - 20 years or newer; exception GEM package 
Allowed Body Styles: Sedan, Coupe, Convertible, SUV, Truck, Trailer, or Van with no more than 9 seats 
Original retail value: $100,000 or less 
Expected annual mileage: 30,000 miles or less 
Accidents history: No more than 2 accidents in the past 12 months 
Vehicle usage: The vehicle is not intended for commercial use. Vehicles that are or will be used for ride sharing purposes, such as Uber and Lyft, must disclose these purposes at the time of joining. 
Liability Insurance: must maintain valid state-mandated liability insurance throughout the entire duration of the Mutuality Plan 
The vehicle must not have a salvage or branded title, prior damage exceeding the state-mandated total loss threshold, significant body, fire, or flood damage, be unregistered, stolen, illegally obtained, or banned from public roads. Additional Exclusions 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: a vehicle that is a set of parts that a manufacturer sells, with some parts sourced from used vehicles or other vendors, and the buyer assembles into a functioning vehicle
Gray market vehicles: any vehicle imported into the United States through a channel other than a manufacturer’s authorized distributor, and therefore does not have an express warranty that is valid in the United States 
Fully autonomous vehicles: Alphabet Waymo, GM Cruise, and Hyundai Motional Ioniq5
Additional Auto Information
Anyone can join the mutual plan, even with a vehicle they don’t own, as long as they have obtained formal approval and take full responsibility for any disputes with the owner.
Member can add multiple cars into mutual plans, but each will require a separate mutual plan with separate pledge
Personal Requirements
Any individual over the age of 18 may be a plan holder of a mutual plan. With a valid drivers license, and a qualifying vehicle.
ONE LLAMA is currently open in all US states
Additional Information
Flexible Plans
The 'Pledged Amount' to join One Llama is based on the plan you select.
Moreover, the 'Pledged Amount' for a member may change with the renewal depending on which plan you select.
Payment
To join the One Llama program, the members can use credit/debit payment, ACH or paypal
Weekly contributions will be withdrawn from your bank account based on the saved payment information
One Llama Service Fee:
One Llama collects the service fee from members to ensure the smooth operation and maintenance of the platform. This fee is essential for covering a range of operational expenses. Here's a detailed explanation :
The service fee is set at 30% of each member’s Pledged Amount when they join or renew their participation in the One Llama program.
It is a dedicated part of member contributions that supports the reliable and effective functioning of the platform.
The collected service fee is used to cover administrative expenses, maintain the technology infrastructure, provide customer support, and manage other essential services needed for the platform's efficiency.
This fee is non-refundable because it's allocated towards the various services offered to members right upon joining the One Llama program.
Additionally, part of this fee is utilized specifically for loss assessment service and pricing data usage, which are critical in managing the mutual benefits of the community.
By these means, One Llama ensures all operational costs are met, maintaining the quality and availability of the platform for all members.
Service Fees are non-refundable.
Renewal
At the end of the mutual plan, newsletter detailing the past cycle of mutual plan will be sent out to the member, detailing all the transaction of the mutual plan, as well as the total saving that has occurred during the last cycle. As well as the new pledge total for the next cycle and the payment dates.
If a member have any of the following conditions, they will not be eligible for renewal: 
The car age exceeds 20 model years for all other vehicles with the exception of the GEM package. 
Applied and received two or more contributions in the past 6 months 3. There is evidence of fraud or suspicion of fraud as judged by the Administrator
Pledge Contribution
Members are not required to pay anymore beyond the 30% service fee when they join the mutual plan. However, the remainder of the total Pledge Amount is treated as the contribution amount, and the member is agreed to donate in case of an incident.
In case of an incident where a contribution from the members is required, an announcement containing all information regarding the incident, including the make of the car, incident type and repair/ACV payout process, will be issued to all mutual members for review. The Monday after all members receive the announcement, contribution amount that each member is required to pay will be charged via the payment method on file for each member
Contribution amount will be a equal percentage for all mutuality members across the board based on their remaining balance of their pledge amount, and will not exceed anymore than 8% of the total pledge amount.
Incident Reporting 
In the event of an accident, your first priority should be to ensure your own safety and well-being; we always consider your safety to be of utmost importance. If the accident involves injuries or fatalities, please immediately dial 911 to seek emergency assistance. If there are no injuries, and once you're safe, please report the accident to the One Llama platform as soon as possible. We recommend using our app for reporting. You can find the option to report an accident under the service tab, where you'll be guided through the process and asked to provide the necessary information. Our professionals will contact you within the agreed time frame to assist you in accessing mutual aid services
When report an incident, you will report an incident inside the app and someone will contact you and guide you go through the process of evaluating the damages, selecting repair shop and for you to bring your vehicle in for repairs 
At the end of the repair, you will be required to pay your deductible when you pick up your vehicle. Or the repair shop will give you a bill that will total your deductible, whichever way that the repair shop is accustomed to. 
During the next contribution cycle, you will be required to pay your remaining balance. 
For the remainder of your mutuality term, your remaining pledge amount will be set to 0, and you will no longer be required to pay anymore contributions. You will still be covered in the mutual plan during that period.
Incidents that meet the following criteria are eligible to apply for contribution from One Llama Mutuality: 
The damaged vehicle is under a mutual plan 
The incident happens during the valid plan period, and is reported to One Llama within 365 days after its occurrence date 
The driver involved in the incident, if there is one, must be the member or a permissive driver 
Not excluded as described in the One Llama Mutuality Plan Terms and Conditions Appendix 
The loss must be the result of an unintentional incident that results in sudden, direct, and accidental damage, including: 
a. Collision with an animal 
Damaged by natural disasters such as hurricanes, hail, floods 
Fire Damage 
Parked car damaged by falling tree branch 
Theft, vandalism, or arson 
Windshield damage such as rock chips and cracks 
Crash into an object, like fence or pole 
Crash involving another vehicle that you are found fault at 
Car rolls over 
Damage from road hazards such as potholes 
Crash into building or garage door 
Transportation expense limit eligible for contribution: 
Maximum limit: $40 per day for no more than 30 days, with a maximum of $1,200. 
For drivable vehicles, assistance is limited to the repair period, not to exceed the maximum limit. 
For non-drivable vehicles, assistance extends from the eligible event's occurrence to the vehicle's readiness for pickup, not to exceed the maximum limit
Exclusion and Conditions
Losses arising from any of the following scenarios will not qualify for contribution from One Llama Mutuality
Excluded damage and losses: 
Existing damage: damage that exists before the occurrence of the incident 
Loss of personal items such as cash, clothes, phones ect. 
Loss of detachable items such as tape, wire, CD player, media devices, radar, laser detector ect. 
Loss on custom parts or equipment 
Non-accident related tire loss, such as flat tires or worn out tires 
Any liability assumed under other contract or agreement 
Normal wear and tear, decay or corrosion. Parts malfunction, quality defect, mechanical or electrical breakdown or failure 
Losses caused by and limited to wear and tear, freezing, mechanical or electrical breakdown or failure, unless that loss results from an eligible theft incident 
Trailers when used for business or commercial purposes with vehicles other than private passenger, farm or utility autos 
Damage to a vehicle involved in, or in preparation for, any type of racing, speed contests, demolition events, stunting activities, driver training, or skill events 
Without prior approval from One Llama, damage and losses not inspected by the platform, or not repaired by the designated body shops pre-selected by the program 
Only specific parts or attachments of the vehicle are stolen or vandalized, rather than the entire vehicle 
The depreciation resulting from market price fluctuations or repair 
The transportation cost resulting from the loss of vehicle usage
Loss or damage resulting from
War, military conflicts, terrorist acts, riots, contamination (including radiation), nuclear reactions and exposures, or explosions, as well as any resulting fires, radiation, or contamination 
Biochemistry attack or exposure to biochemical substance 
Any governmental, legal or other action to return an auto to its legal, equitable, or beneficial owner, or any claiming an ownership interest in the vehicle 
Destruction, impoundment, confiscation, or seizure of the vehicle by government or civil authorities, due to its use in illegal activities 
The acquisition of a stolen auto 
The operation of a non-owned auto or temporary substitute auto that is designed for use principally off public roads and that is not registered for use on public roads
The member or the permissive driver has any of the following behaviors or situations
intentionally causes the incident, destroys or stages the accident scene, falsifies evidence after the incident, or to obtain improper benefits through deceptive measures 
Hit and run after the incident 
Drive under the influence of alcohol, drugs, or controlled substances at the time of incident 
Unlicensed, or has a driver's license that is suspended, revoked or canceled at the time of incident 
Fails to notify the administrator in a timely manner, making it difficult to determine the nature, cause, and extent of the damage 
Intentionally provides false, invalid, incomplete or omits key information when enrolling in the Mutuality Program including annual mileage, Permissive Drivers, non-personal use etc.
The planned auto has any of the following conditions at the time of incident
is withheld, seized or confiscated 
is being repaired, maintained or refitted 
is used for illegal activities due to the intention or gross negligence of the Member or the driver 
is overloaded: the vehicle exceeds its maximum occupancy limit as specified by safety regulations or the manufacturer's guidelines 
is used to carry persons or property for compensation or a fee, including, but not limited to, pickup or delivery of food or groceries. Unless clearly reported as a ride-sharing member at the time of joining 
was sold, transferred, refitted, installed with new devices or changed the usage without notifying the Administrator 
Vehicle registration is expired or canceled
Information Needed
Reported incident will require the mutual plan number, the person reporting the claim, and as much information as possible to describe the incident, as well as contact information.
Photos:
Photos of the accident scene serve as direct evidence to establish the accident's authenticity, determine faults and prevent fraud. Therefore, taking these photos is recommended to accelerate the contribution application process. However, always ensure safety first before capturing these images
Here's a guide on how to do take photo properly: 
Ensure Safety First: Before taking any photos, make sure it's safe to do so. If the accident is minor and there are no serious injuries, move vehicles to a safe area if needed. 
Capture Different Angles: Take photos from various angles to get a comprehensive view of the accident. Include wide shots to show the entire scene as well as close-ups of specific damage. 
Photograph All Vehicles Involved: Include all vehicles involved in the accident, not just yours. Capture the damage on each vehicle and their positions relative to each other. 
Document Vehicle Conditions: Take pictures of license plates, make and model of the vehicles, and any visible damage, both internal and external. 
Include Traffic Signals and Road Signs: If there are traffic lights, stop signs, or other relevant road signs near the accident scene, photograph them as they can help establish the context of the accident. 
Photograph Road Conditions: Include photos of the road itself, showcasing any skid marks, broken glass, car parts, weather conditions, or other elements that might have contributed to the accident. 
Include Timestamps: Most smartphones automatically timestamp photos. Ensure this feature is enabled to provide an accurate timeline of the accident. 
Photograph Injuries: If it's appropriate and respectful, photograph any visible injuries caused by the accident. 
Be Discreet and Respectful: Be mindful of others' privacy and emotions while taking photos at an accident scene. 
Don’t Interfere with Emergency Services: If emergency services are on the scene, do not interfere with their operations while taking photos.
Repair 
In-Network Repair Shops 
One Llama is partnering with several nationwide and local repair shop alliances that offer thousands of quality repair shops for members to select The member is advised to select a repair shop from our list of contracted Auto Repair Body Shops. If one of our shops is not available within a reasonable geographic location to the member, we will work to reach an agreed repair price with a shop of the member's choice When the member brings in the vehicle for repairs to the repair shop, an estimate will be generated by the repair shop regarding the expenses for the repair. At that time, One Llama will report the announcement and will be asking the community for contributions. The members who are getting the vehicle repairs will be required to pay their remaining pledge amount during the next contribution cycle.
Repairing Method 
Repair time varies depending upon the extent of damages, parts availability, shop scheduling, and in some situations, weather conditions. Repair times can be several days for very minor repairs and up to four to six weeks or even more for severe damage
Repairing Parts 
The Planned Auto suffering from an accident must be repaired using alternative (non-OEM) parts whenever available and cost-effective, with the exclusion of safety components such as Safety Restraint Systems. The majority will be supplied by the contracted national alternative parts supplier and the Administrator will endeavor to contract such suppliers. The alternative parts will be available to the Auto Repair Body Shop through the approved estimating systems.
Repair Warranty 
Our contracted Auto Body Repair Shops will provide a lifetime repair warranty as long as the Member owns the vehicle
Repair Pick Up 
When picking up the repaired vehicle from the repair shop, the member will be required to pay the deductible amount directly to the repair shop or the repair shop will give you a bill that will total your deductible, whichever way that the repair shop is accustomed to.
Towing 
Any towing or transportation cost that occurred in case that car is undrivable after an incident will be part of total cost that is eligible for contribution. However, if unnecessary cost is created due to the member’s wrongful
Rental 
If the vehicle has become undrivable or due to long repair time, a limited rental assistance is going to be available. The maximum limit for rental assistance is $40 per day for no more than 30 days, with a maximum total of $1,200. For drivable vehicles, assistance is limited to the repair period, not to exceed the maximum limit. For non-drivable vehicles, assistance extends from the eligible event's occurrence to the vehicle's readiness for pickup, not to exceed the maximum limit Receipts and/or proof of payment for rental or other ride share is needed to be eligible for rental assistance
Total Loss Payout 
A vehicle is deemed a total loss when the cost to repair exceeds the actual cash value, when the cost to repair exceeds a state mandated threshold or a salvage title is required, when the vehicle is stolen and unrecovered, or when the vehicle cannot be restored to pre-loss condition. 
A vehicle may be identified as a total loss during the first notice of loss process, during the damage assessment process, or when the vehicle is in a repair shop. 
Once the vehicle has been identified as a total loss, the valuation process will be initiated to determine the Actual Cash Value (ACV) of the vehicle. 
A dedicated professional will contact the member to provide the ACV, secure permission from the member to move the vehicle to contracted salvage vendor, make salvage assignment for vehicle to be picked up and moved to salvage vendor, and provide instructions for member to sign vehicle title and any other state required documentation and instruct member where to send documents. 
All required documentation must be completed by member and received by salvage vendor prior to approved contribution payment being issued directly to member for ACV less out-of-pocket amount
Contribution Calculation 
Your contribution amount for each contribution cycle is calculated based on the Expected Balance in your Mutuality Plan Account and the overall needs of the community as detailed in the following steps: 
Determine Expected Balance: This is the balance of your Pledged Amount minus the total of all contributions you've made since the start of the plan. 
Calculate Individual Shared Contribution Amount: 
Your Individual Shared Contribution Amount is calculated by taking your Expected Balance and multiplying it by a shared ratio. 
Compute Shared Ratio: 
The shared ratio is found by dividing the Authorized Contribution Amount (the total amount required for all members’ eligible events for that cycle) by the combined Expected Balances of all members' accounts at that time. 
Assess Total Expected Balance: 
If the total Expected Balance in all members' accounts is less than the Authorized Contribution Amount, the total available balance will be divided pro-rata among the members participating in that contribution cycle. 
This pro-rata percentage is determined by dividing each member's Authorized Contribution Amount by the total Authorized Contribution Amount for that cycle. This process ensures that each member contributes a fair amount, relative to their pledge and the funds available in their account. It's designed to distribute the financial assistance needed for eligible events fairly among all members during each contribution cycle
Contribution Cycle 
Each Monday, a notification regarding all incident that are eligible for contribution will be sent out to all members, and contribution calculation will be calculated and collected from all members next Monday.
Exit 
If the member have no ongoing claim, they are eligible to quit the mutual plan anytime they desire. However, if there is an ongoing claim, they will be unable to quit. If a sale of the car under the mutual plan occurred, the member need to inform One Llama that a sale has occurred and that mutual plan need to be terminated.