How Kyodo Mutual Works

A step-by-step guide to our voluntary mutual-aid sharing program — with example numbers based on 50 active members.

Active Members

$4,000

Monthly Pool

$18,265

Total Paid Out

$9,500

Buffer Balance

Apply & Get Quoted

Fill out our short onboarding form with your Fleet details and desired coverage. Our admin reviews and approves your account.

📊 Example: 50 active members across all tiers.

Pledge Monthly

Each month you pledge based on your tier. 80% goes directly into the shared pool, 20% covers admin costs.

📊 Example: 50 members pledge ~$5,000/mo total. Pool receives $4,000 (80%). Admin fee: $1,000 (20%).

Submit a Need

When something happens unexpectedly — Accident, damage, Total Loss, etc — submit a Need Request with photos and repair estimates. Admin reviews within 48–72 hours.

📊 Example: $18,265 paid out to members across the past 12 months.

Pool Pays Out

Approved needs are paid from the shared pool. If a bad month causes total needs to exceed the pool, all approved needs are prorated proportionally — no one gets zero, everyone shares the shortfall equally.

📊 Example: Pool = $4,000. Approved needs = $13,300. Each member receives 61% of their approved amount.

Buffer & Rebates

Quiet months build a Catastrophe Buffer. Once the buffer reaches 3× the average monthly pool, the excess is rebated back to members proportional to their pledges.

📊 Example buffer: $9,500 saved. Target: $12,000 (3× avg monthly pool). $2,500 away from first rebate!

Coverage Tiers at a Glance

Tier	Monthly	Out of Pocket
Starting Fleet (1 car)	$10-60	$0-250 per claim
Small Fleet (4 cars)	$34-204	$0-250 per claim
Medium Fleet (10 cars)	$75-450	$0-250 per claim
Large Fleet (20 cars)	$130-780	$0-250 per claim

NOT INSURANCE — Important Legal Notice

Kyodo Mutual is a voluntary, unregulated mutual-aid sharing program. It is NOT insurance and is not regulated by any state insurance commission. No guarantee of payment is made or implied. Contributions are voluntary. There is no contract obligating any payout. Members participate entirely at their own risk and discretion. Kyodo Mutual makes no representation that any member will receive reimbursement of any amount for any loss.