This article is specifically for vehicles covered by a Turo protection plan. Vehicles covered under owner-provided insurance, and guest of those vehicles, are subject to the terms and conditions of the host’s commercial liability and comprehensive and collision plans. Turo makes no claims as to the limits, deductibles, or costs of non-Turo plans. Please contact the listing page and/or vehicle host directly for plan and pricing details.
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Turo protects hosts, guests, and third parties, addressing both liability and physical damage exposures, on trips where the vehicle is insured via Turo. This article below focuses primarily on guests, while many host-specific items are discussed in this other article for host protection plans.
- Liability policy addresses three components, and the insurance is provided according to the following terms where the vehicle and guests are insured via Turo’s insurance partner Liberty Mutual:
- Bodily injury and property damage to third parties: Guests may select from protection packages that either include this $1,000,000 combined single limit (for the "Premium Package"), or provide liability coverage that is the minimum required by the state where the car is registered (for the "Basic" and "Decline" packages). These coverages are always secondary to any other policies the guest may already have.
- PIP (short for “Personal Injury Protection”, or sometimes called “first party benefit” or “no-fault”): the guest has the benefit of the statutory minimum required in the state where the vehicle is registered, which in many instances may be zero. This coverage varies by state, and typically addresses medical expenses, loss of income, funeral expenses and similar expenses for the driver or passengers in the vehicle without regard to fault. PIP is not applicable in all states. Turo has either waived this coverage entirely or subscribed to the lowest limit allowable by state law, and members are bound by such election and agree to be so bound, pursuant to the Terms of Service.
- UM/UIM (“Uninsured or Underinsured Motorist"): When available, this coverage pays the primary guest or the primary guest’s passengers for bodily injury caused by an uninsured driver, hit and run driver, a driver whose limits of liability have been exhausted, or a driver whose insurer is insolvent. Once again, Turo has either waived this coverage entirely or subscribed to the lowest limit allowable by state law, and Turo users are bound by such election and agree to be so bound pursuant to the Terms of Service.
* Note: In some states, certain hosts’ coverages may continue to stay with the vehicle, even during the reservation period, and so in those states the host's insurance could be implicated. Turo, through its third party insurer, provides the statutory minimum UM/UIM coverage in all states, which may sometimes be zero.
- Physical Damage protection includes two categories of “covered perils”: comprehensive and collision.
- Collision: When two vehicles hit each other, or when a single vehicle hits an object.
- Comprehensive: Other property damage to the car that isn’t a collision – theft, fire, animal impacts, vandalism, falling objects and acts of nature (windstorm, flood, etc.)
Host: Host protection plans are described in this other article.
Primary Guest: The primary guest is responsible to return the car on time and in essentially the same condition it was in when they first received it. The primary guest is financially responsible for all physical damage unless they provide documentation of pre-existing damage. The primary guest may document pre-existing damage by uploading Trip Photos at the beginning of the trip, by uploading pictures and a description to support.turo.com at the start of the trip, or has documented an agreement with the host regarding pre-existing damage by using our “Trip Checklist” or similar means. Any physical damage protection that Turo offers is “secondary” or “supplemental”, as further detailed at the end of this FAQ article.
The primary guest can choose from three (3) options to satisfy his or her physical damage obligations where the vehicle is insured via Turo’s insurance partner(s) and not through a commercial rental policy offered by the owner.
- “Premium” Package: The primary guest’s out-of-pocket exposure is limited to payment of a deductible of $500. When damage is reported, the guest will be charged $500, and if the total costs (direct costs of damage, plus all “Related Costs”, as defined below) are less than $500, the guest will be refunded the difference.
- “Basic” Package: The guest’s out-of-pocket exposure is limited to a payment of a deductible of $3000, under the same structure described in the Premium package.
- “Decline Coverage” Package: The guest’s financial responsibility is essentially unlimited, and is bounded only by the actual cash value of the car, plus all Related Costs. This means that if the car is lost, stolen, or damaged so extensively that the expected cost of repairs exceeds 75% of the actual cash value, the guest is responsible to pay the entire actual cash value of the car, plus all Related Costs, minus any residual salvage value.
Coverage via personal insurance or credit card. Many people incorrectly believe that they have full coverage through a personal insurance policy or credit card. Please carefully check the terms and conditions of those policies and consult with your credit card company before assuming that you are covered and selecting the “Decline Coverage” option -- it is highly unlikely that you would be covered by any credit card insurance when you book cars through the Turo marketplace. Please also see this FAQ entry on the topic.
Terms of Service violations. For both the Premium and Basic packages, if the guest or any of their Approved Drivers has violated the Terms of Service, engaged in any Prohibited Uses or otherwise intentionally, recklessly, or with wanton disregard, misused the car, the deductible limits described above will not apply and the primary guest will be liable for physical damage up to the actual cash value of the car, in addition to all Related Costs.
Mechanical or Interior Damage. Furthermore, if during the reservation period, there is damage caused to the interior of the vehicle or mechanical damage caused (not normal “wear and tear”), the protections described above do not apply, and the primary guest will be liable for the full cost of the repairs or replacement, as well as Related Costs.
Related Costs. "Related Costs" may include all costs and fees permitted by law, including but not limited to, estimation or appraisal costs, storage fees, towing fees, repair or replacement costs, registration or transfer taxes, claims processing costs and all similar or associated costs, minus any residual salvage value that is collected. Claims processing costs vary, but are typically up to $500 per claim. 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, the guest will be refunded the claims processing fee.
Turo protection is secondary. The Premium and Basic packages are “supplemental” or “secondary” to any existing coverage the guest may have available through other sources (whether through a credit card, personal automobile, or other policy). In practice, this means that the primary guest is primarily liable, but can satisfy their obligations through these other sources, such that Turo will first collect the relevant deductible directly from the guest, and then will seek reimbursement (“subrogation” in insurance terms) from the guest’s other sources for the total amount of liability.
If you have selected to book a vehicle where the host is not utilizing insurance through Turo’s insurance partner(s) and is instead providing commercial rental liability insurance directly to you, none of the above applies. Please refer to the listing or contact the host to understand any insurance or protection available to you and any related fees.
If you have additional questions regarding selecting among these options, please consult your insurance professional, or contact us at support.turo.com, and we will direct you to our insurance broker.