By Alexandra Sifferlin, TIME.com Style News Wire As with so many other things in life, exercise may

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St. Clair like thousands of people doesn t actually need his car all the time, so he s decided to take advantage of a new peer-to-peer car sharing service that allows him to rent his car out to strangers and defray his ownership costs. Neil St. Clair rents out his BMW 5-series on RelayRides.
The rental companies each provide up to $1 million worth of liability insurance coverage on the cars during rental car in new york the times they are being rented. Getaround s insurance coverage is provided by Warren Buffett s Berkshire Hathaway ( BRKA ,  Fortune 500 ). RelayRides users are covered by Hudson Insurance.
Also, owners have the right to decline a rental request for any reason or no reason at all. St. Clair said he won t rent to people who sound unfriendly. He figures it s not a good sign for how they re going to treat his car.
For St. Clair there have been occasional rental car in new york problems. Mostly they ve been small nuisances like a soda bottle left in the car or the lingering smell of cigarette smoke. But others have experienced rental car in new york much more serious issues.
A nightmare scenario: There has been at least one case, as  reported recently rental car in new york by the New York Times , in which a car owned by a RelayRides user, was involved in a fatal wreck with damages that could top $1 million.
We advise consumers who participate in peer-to-peer ride sharing to read their insurance policies carefully and talk to their insurance agent to make sure they know exactly what is covered, said Loretta Worters, vice president of the Insurance Information Institute.
For example, General Motors rental car in new york ( GM ,  Fortune 500 ) is teaming up with RelayRides so that owners of GM vehicles will be able to use the automaker s OnStar system to provide quick access to their car without the owner and the renter ever having to meet.
OnStar currently has six million active subscribers rental car in new york and another 9 million cars have OnStar hardware installed, ready to be activated. That makes for a huge pool of available cars for potential customers, said Clark.
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