Turo Insurance Coverage: Everything You Need to Know

If you’re looking to rent a car, Turo is a great option. But before you hit the road, you need to know about Turo insurance coverage. In this article, we’ll explain everything you need to know about Turo insurance, including what it covers, what it doesn’t cover, and how to make a claim if something goes wrong.

What is Turo Insurance?

Turo insurance is a type of insurance that provides coverage for people who rent cars through Turo. Turo is a car-sharing platform that allows people to rent out their personal vehicles to others. Turo insurance helps protect both the car owner and the renter in case of an accident or other damages.

When you rent a car through Turo, you have the option to purchase insurance coverage through Turo or to use your own personal car insurance. If you use Turo insurance, you’ll be covered by Turo’s insurance policy.

What Does Turo Insurance Cover?

Turo insurance provides coverage for physical damage to the car, theft, and third-party liability. Here’s a breakdown of what each type of coverage includes:

Turo insurance also offers additional coverage options, such as collision coverage and physical damage caused by a driver who is uninsured or underinsured.

What Doesn’t Turo Insurance Cover?

While Turo insurance provides a lot of coverage, there are some things it doesn’t cover. Some examples include:

• Damage to the car caused by driver negligence or reckless driving
• Mechanical issues or regular wear and tear
• Personal belongings that are stolen or damaged in the car
• Intentional damage to the car

It’s important to read the Turo insurance policy carefully to understand what is and isn’t covered.

How to Make a Turo Insurance Claim

If you need to make a claim on your Turo insurance policy, you can do so through the Turo app or website. Here’s a step-by-step guide:

1. Report the incident to Turo as soon as possible.
2. Provide any necessary information or documentation, such as photos of the damage or a police report.
3. Wait for Turo to determine if the claim is covered by your policy.
4. If your claim is approved, Turo will provide you with a repair estimate and arrange for repairs to be made.
5. If your claim is denied, you may need to pay for the damages out of pocket or file a claim with your personal car insurance, if you have it.

Frequently Asked Questions

What is Turo’s liability coverage?

Turo’s liability coverage provides up to $1 million in liability protection for the owner of the car and up to $750,000 for the renter.

Can I use my own insurance when renting through Turo?

Yes, you can use your own personal car insurance when renting through Turo. However, you’ll need to provide proof of insurance to Turo before your rental begins.

What happens if I damage the car?

If you damage the car during your rental, you’ll be responsible for paying the deductible on your Turo insurance policy or your personal car insurance policy, if you’re using your own insurance.

What happens if the car is stolen?

If the car is stolen during your rental, you’ll be covered by Turo’s theft protection. You’ll need to file a police report and provide it to Turo, and Turo will handle the rest.

What happens if I get into an accident?

If you get into an accident during your rental, you should contact Turo immediately. Turo will provide you with the necessary steps to make a claim on your insurance policy.

Is Turo insurance mandatory?

No, Turo insurance is not mandatory. However, you’ll need to have some form of insurance coverage in order to rent a car through Turo.

Conclusion

Turo insurance provides important coverage for people who rent cars through Turo. By understanding what Turo insurance covers and how to make a claim, you’ll be better prepared in case something goes wrong during your rental. Whether you use Turo insurance or your own personal car insurance, make sure you have the coverage you need before hitting the road.