No, One Llama is NOT an auto insurance provider. We operate as a mutual support program for auto collision and comprehensive protection. While we do NOT offer liability insurance—which is required in most states to legally operate a vehicle— One Llama do provide a competitive alternative for auto collision and comprehensive coverage, often at about 50% of the cost of traditional auto insurance.

Can I show them my One Llama plan? In the U.S., drivers are legally required to have liability insurance. If stopped by law enforcement, you must present your liability insurance. One Llama does not offer liability insurance; we focus solely on Collision and Comprehensive protection. Therefore, you will need to obtain auto liability insurance from a licensed provider to legally drive in the U.S.

Not all vehicles are eligible for One Llama membership. To qualify, vehicles must meet the following criteria: (1) Original retail value of $100,000 or less; (2) 20 years old or newer (with the exception of the GEM package); (3) No commercial vehicles; (3) Annual mileage of 30,000 miles or less; (4) No more than 2 accidents in the past 12 months. Additionally, if you intend to use your vehicle for ride-sharing services, such as Uber or Lyft, this must be disclosed during the application process.

Members with no incidents can enjoy significant savings—up to 40% for safe drivers with a clean record. In the event of an incident, members benefit from community support for car repairs. One Llama operates as a tech platform that facilitates this collective sharing.

Upon signing up for a plan, 30% of your payment is allocated as a service fee, while the remaining 70% constitutes your pledge to support other members.

If you remain incident-free for a 6-month period, you could save up to 40% on your plan. When an incident occurs,you would contribute about 2-3% or less of your pledge for the repair cost. The most you would contribute per week is up to 8% of your pledge. In the event of your own incident, you will be responsible for a $1,000 out-of-pocket expense plus your remaining pledge. The reamining repair cost or the difference of the repair cost and your contribution, would be contributed by the communty. Just as you share in the repair cost for other members, the other members in the community would share in the repair cost for your incident.

One Llama offers five flexible and affordable plans tailored to meet varying needs and budgets:

One Llama has established a nationwide network of top-tier auto repair facilities, ensuring the highest quality standards for all repairs. We provide an industry-standard warranty along with specific workmanship guarantees.

In the event of an incident, promptly report it to One Llama by calling our 1800 number. We will guide you through the necessary steps. Be sure to take photos of the incident, including all vehicles involved, and submit a sharing request to One Llama. Our third-party administrator (TPA) partner will reach out to you within 24 hours to assist further in your claim process.

To file a claim, report the incident to One Llama as soon as possible. You’ll need to provide details of the incident and any supporting documentation. Our team will guide you through the claims process to ensure you receive the necessary assistance.