*Liability insurance covers third party bodily injury and third party property damage resulting from an accident for which you’re liable. Don't assume your insurance or credit card company will cover your Turo trip. or otherwise intentionally, recklessly, or with wanton disregard, misuse the car, the contractual limitation of liability is void and does not apply. Cost and fees include but are not limited to: Claims processing costs vary but are typically up to $575 per claim. The Premium Package limits multiple accidents to … This number is used by auto and home insurers to evaluate the strength of your credit and is based on your credit history. 'As another example, if there’s Physical Damage to the Vehicle that results in it being a total loss, then the primary Guest will be financially liable for the actual cash value of the Vehicle, plus Related Costs, minus the salvage value, if any. Soooo…Turo “insurance agency/not an insurance company” runs their own insurance agency, through which Turo Airbnb-like car rental business buys insurance and then almost certainly deducts it as a fat business expense. The scope of PIP coverage varies by state. Under the Minimum plan, the amount that the primary Guest is liable to pay out of their own pocket for Physical Damage (other than Mechanical or Interior Damage) to the Vehicle during the booked trip, plus Related Costs such as claims administrative fees and appraisal costs (and after exhaustion of any other applicable insurance), is contractually limited to $3,000. This vehicle belongs to a Commercial Host, an independent car rental company.” You’ll also see the host’s name listed as the insurance provider for the trip. Plus, those typically only cover damage to the rented vehicle. Hosts and Guests are bound by Turo’s election and agree to be bound by that election pursuant to the Terms of Service. Depending on the protection plan you select, liability coverage is up to $750,000 in the US. When damage is reported, the primary Guest will be charged a $500 damage deposit. And your credit card company will not provide coverage for a Turo trip. I tried to rent a car with Turo, but found the insurance situation too opaque and hard to understand. Turo screens each guest for suitability. You can also choose to d. ecline a protection plan. During a recent trip, a hit-and-run driver lightly rear-ended Mary, causing $900 in damage to the host’s car. Regardless of which protection plan the primary Guests chooses, the primary Guest is financially liable for the full cost of the repairs or replacement, as well as Related Costs, for interior damage or mechanical damage caused during the booked trip. When a primary Guest books a vehicle on Turo, the primary Guest agrees that if any Physical Damage to the Vehicles occurs during the booked trip, the primary Guest will work with Turo to make a claim for coverage under any policy of insurance that applies to the loss. Turo isn’t an insurance company. You’ll know if you’re booking a trip with a Commercial Host because their vehicle description page will include a notice. *** Trips for which the trip price exceeds $250 have an 15% rate. That means that the primary Guest will be fully liable for physical damage, including up to the actual cash value of the car, in addition to all Related Costs. Guests may be insured against Physical Damage to the Vehicle that occurs during the period of the booked trip under their own automobile policies. **Premier plan is available for trips in vehicles with a total market value of less than $25k. If you’ve booked a vehicle from a Commercial Host, none of the above applies, and you won’t be offered a protection plan at checkout. We do not offer protection plans for vehicles booked with Commercial Hosts. If you book a trip in the US, certain Canadian provinces, and the UK, you can choose a protection plan on Turo (unless you’re booking with a Commercial Host). You may or may not need to have personal insurance to book with these hosts. List for free, set your own prices and rules, and share confidently. Turo’s insurance covers the guest when they rent cars on the Turo platform, so it didn’t make sense for me to have to pay for the guest’s insurance too. Jump to learn more about protection plans Tips to make your profile pop Turo isn’t an insurance company. Financial responsibility for physical damage to the Vehicle. Coverage provided is up to the minimum liability coverage required by state law. Guest’s responsibility for damage to the vehicle. Don’t assume that your personal auto insurance policy or credit card coverage applies to person-to-person car sharing trip bookings in the same way it applies to traditional rental car bookings. Exception for Maryland and West Virginia: If a Guest is insured under a policy of auto liability insurance issued in Maryland or in West Virginia that includes collision and/or comprehensive coverage for physical damage, the Guest’s collision coverage applies during the booked trip with the Vehicle. Liability coverage will not pay for loss or damage to the vehicle you book on Turo or your own injury or medical expenses. Primary Guests can protect themselves against an allegation that damage to the Vehicle occurred during the period of the booked trip.To do so, they should document with photos the condition of the Vehicle, including any existing damage, at the start of the booked trip. - Any damage to the vehicle, including Mechanical Damage and Interior Damage. Turo needs pre- and post-trip evidence when processing claims 3 Check in your guest using the Turo app when the trip is starting, verifying their driver’s license See … Related Costs- These include all costs and fees resulting from damage of any kind to the Vehicle during the booked trip. *Note, third party liability coverage under the Liberty Mutual policy is still secondary for Guests who have other applicable coverage under the Premier plan, other than in some circumstances in the state of Maryland. If a Guest is insured under a policy of auto liability insurance issued in Maryland or in West Virginia that includes collision and/or comprehensive coverage for physical damage, the Guest’s collision coverage applies during the booked trip with the Vehicle. If a third party accepts total fault for the claim and that third party’s insurer processes it on behalf of the host without substantial processing by Turo’s third party claims administrator, we’ll refund the Guest the claims processing fee. Unless you’re confident that your personal insurance will cover you, we strongly advise that you select a protection plan when booking your trip. Check with your insurer before declining a protection plan on Turo. The following options are not insurance but a contract which sets forth your level of responsibility for Physical Damage. Your earnings vary depending on the insurance plan you choose. Turo protection plans by region *Protection plans are available for guests in Alberta, British Columbia, Nova Scotia, Quebec, and Ontario. It’s up to $2 million in Canada, and up to £20 million in the UK. Below are links to quick summaries of our guest protection plans and to more-detailed plan information: Some hosts on Turo are Commercial Hosts. 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