RSMECHS

Insurance & Liability Policy

1. Overview of Liability

Understanding who is responsible for what is critical when using RSMECHS. Here is a clear summary:

2. RSMECHS Liability

2.1 Platform Liability

RSMECHS accepts liability only for matters directly within its control as a platform operator. Our liability is limited to:

• Failures of the Platform technology that cause direct financial loss to Users.
• Incorrect processing of payments attributable to our error.
• Breaches of our data protection obligations under applicable law.
• Fraudulent misrepresentation by RSMECHS itself.

2.2 Limitation of RSMECHS Liability

To the fullest extent permitted by applicable law, RSMECHS's total financial liability to any User in connection with the Platform shall not exceed:

• For Customers: The Platform Fee paid in the specific transaction giving rise to the claim ($3.50), or $100 USD — whichever is greater.
• For Mechanics: The total platform commissions paid by the Mechanic in the 3 months preceding the claim.

2.3 Excluded Losses

RSMECHS will not under any circumstances be liable for:

• Loss of profit, revenue, or business.
• Loss of anticipated savings.
• Loss of data or goodwill.
• Indirect or consequential losses of any kind.
• Vehicle damage caused by a Mechanic.
• Personal injury caused by a Mechanic.
• Any losses arising from circumstances outside RSMECHS's reasonable control.

3. Mechanic Liability

3.1 Full Responsibility for Services

As an independent contractor, each Mechanic bears full legal and financial responsibility for the Services they provide through the Platform, including:

• All damage caused to a Customer's vehicle during or as a result of Services.
• Personal injury caused to a Customer, third party, or themselves during Services.
• Property damage caused during the course of providing Services.
• Any financial loss suffered by a Customer as a direct result of negligent or incompetent work.
• Environmental damage caused by improper disposal of fluids or materials.

3.2 Professional Indemnity

Mechanics may face professional indemnity claims where their advice, diagnosis, or work causes financial loss to a Customer — for example, an incorrect diagnosis leading to unnecessary repairs. Mechanics are strongly advised to carry professional indemnity insurance to cover such claims.

3.3 Mechanic Indemnity of RSMECHS

Each Mechanic agrees to indemnify RSMECHS against any claims, losses, or expenses (including legal fees) that arise from claims made against RSMECHS as a result of the Mechanic's Services. This includes any third-party claims or regulatory actions arising from the Mechanic's conduct.

4. Customer Liability

Customers are responsible for:

• Providing accurate information about their vehicle and the nature of the issue.
• Ensuring safe and lawful access to the vehicle and service location.
• Not authorising work beyond what was agreed without understanding the additional cost.
• Paying the agreed Service Fee upon completion of work.
• Not making false claims against Mechanics.

Customers who provide false information that leads to a Mechanic attending unnecessarily or performing incorrect work may be liable to the Mechanic for costs incurred. False or malicious dispute claims may result in account suspension and potential legal action.

5. Insurance Requirements for Mechanics

RSMECHS strongly recommends, and in some jurisdictions legally requires, that all Mechanics maintain adequate insurance. The following types of insurance are relevant:

6. Insurance Guidance for Customers

6.1 Your Vehicle Insurance

Customers should be aware of the following regarding their own vehicle insurance:

• Most vehicle insurance policies include some level of cover for damage caused by third parties — including mechanics.
• If a Mechanic damages your vehicle, you may be able to claim through your own insurance and have your insurer pursue the Mechanic.
• Check your policy for exclusions relating to repairs carried out by non-authorised repairers.
• Some policies may require that repairs are carried out at authorised service centres — check your policy before booking.

6.2 Requesting Proof of Insurance

Customers have the right to request proof of insurance from their Mechanic before authorising any work. We encourage this practice for major repairs. Mechanics are expected to provide proof of insurance upon reasonable request. If a Mechanic refuses to provide proof of insurance, consider whether you wish to proceed with the booking.

7. Vehicle Damage Claims

7.1 If a Mechanic Damages Your Vehicle

If you believe a Mechanic has caused damage to your vehicle during a Service, take the following steps immediately:

1. Document the damage — take clear, timestamped photographs of all damage immediately.
2. Notify the Mechanic — raise the issue with the Mechanic before they leave if possible.
3. Report to RSMECHS — submit a damage report to disputes@rsmechs.com within 24 hours.
4. Get an independent assessment — obtain a written repair estimate from a reputable garage.
5. Do not authorise further work — do not have the damage repaired until the dispute process is complete, unless the vehicle is unsafe.
6. Contact your insurer — notify your vehicle insurer of the incident.

7.2 RSMECHS Role in Vehicle Damage Claims

RSMECHS will assist by:

• Providing the Mechanic's contact and insurance information from our records.
• Facilitating communication between Customer and Mechanic.
• Withholding the Mechanic's earnings from the booking pending investigation.
• Mediating a resolution where possible.

RSMECHS will not:

• Pay compensation for vehicle damage caused by a Mechanic.
• Act as an insurer or guarantor of the Mechanic's work.
• Compel a Mechanic to pay compensation (though we may suspend their account pending resolution).

8. Personal Injury

8.1 Customer Personal Injury

If a Customer is injured as a result of a Mechanic's negligence or unsafe working practices:

• The Mechanic bears primary liability for the injury.
• The Mechanic's public liability insurance should respond to such claims.
• RSMECHS is not liable for personal injury caused by Mechanics.
• Customers may pursue legal action directly against the Mechanic.
• In some jurisdictions, consumer protection laws may provide additional routes of redress.

8.2 Mechanic Personal Injury

As an independent contractor, a Mechanic injured while performing Services:

• Is not covered by RSMECHS workers' compensation.
• Should rely on their own personal accident insurance.
• May have a claim against the Customer if the injury resulted from an unsafe environment created by the Customer.
• Should seek independent legal advice regarding their options.

9. Third-Party Claims

Where Services result in injury or damage to a third party (for example, a passer-by injured by tools left on the ground, or a neighbouring vehicle damaged), the Mechanic as service provider bears primary liability. The Mechanic's public liability insurance is designed to respond to such claims.

RSMECHS is not liable for third-party claims arising from Services. If RSMECHS is included in any third-party claim as platform operator, the Mechanic agrees to indemnify RSMECHS in accordance with the Contractor Agreement.

10. Jurisdiction-Specific Insurance Requirements

Jurisdiction	Key Requirements	Regulatory Body
Jamaica	Motor vehicle insurance required. Professional licensing for automotive work. Check with Bureau of Standards Jamaica.	Financial Services Commission
United States	Requirements vary by state. General liability insurance standard for contractors. Some states require garage keeper's liability.	State Insurance Commissioner
United Kingdom	Public liability strongly recommended. Garage liability for mechanics handling customer vehicles. DVSA compliance for certain work types.	Financial Conduct Authority (FCA)
European Union	Professional liability requirements vary by member state. Motor trade insurance regulations apply in most EU countries.	National financial regulators
Canada	Provincial requirements vary. Business liability insurance expected. Quebec has specific requirements.	Provincial insurance regulators
Australia	Public liability required for trade contractors in most states. Motor dealer licensing may apply.	ASIC / State fair trading offices

This table provides general guidance only. Insurance requirements change frequently. Mechanics are responsible for verifying current requirements in their specific jurisdiction with a qualified insurance broker or legal advisor.

11. Insurance Verification

11.1 Current Process

At this stage, RSMECHS requires Mechanics to declare their insurance status during the application process. RSMECHS does not independently verify insurance documents for every Mechanic prior to approval.

11.2 Verification on Request

RSMECHS reserves the right to request proof of insurance from any Mechanic at any time. Failure to provide satisfactory proof within 5 business days of a request may result in account suspension.

11.3 Customers Requesting Verification

Customers who wish to verify a Mechanic's insurance should request proof directly from the Mechanic before authorising work. RSMECHS can facilitate this request but cannot guarantee the accuracy or currency of insurance documents held on file.

11.4 Future Plans

RSMECHS intends to implement mandatory insurance verification for all Mechanics as the platform scales. Mechanics will be notified of any new verification requirements with reasonable advance notice.

12. Reporting Incidents

All incidents must be reported to RSMECHS promptly. Use the appropriate channel based on the type of incident:

Incident Type	Report To	Deadline
Vehicle damage	disputes@rsmechs.com	Within 24 hours of service
Personal injury	safety@rsmechs.com	As soon as safely possible
Third-party claim received	legal@rsmechs.com	Within 48 hours of receiving claim
Insurance claim filed	legal@rsmechs.com	Within 48 hours of filing
Safety concern	safety@rsmechs.com	Immediately
Environmental incident	safety@rsmechs.com	Immediately

Prompt reporting allows RSMECHS to provide appropriate support, preserve evidence, and ensure that insurance claims are handled correctly. Delayed reporting may prejudice insurance claims and dispute outcomes.

13. Contact

Department	Contact	For
Legal & Liability	legal@rsmechs.com	Third-party claims, legal notices, insurance queries
Safety	safety@rsmechs.com	Injuries, safety incidents, urgent matters (24/7)
Disputes	disputes@rsmechs.com	Vehicle damage claims, service disputes
General	info@rsmechs.com	General insurance enquiries
Phone	658-207-6565	Urgent matters