If an accident occurs, no insurance penalty 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.
When the driver comes back, start by filling out the rental agreement.
Then, fill out 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 5 days following the end of the rental // UK: 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 48 hours to organize the takeover of your vehicle.