Guest protection plans including insurance | US

All protection plans include coverage under a third-party automobile liability insurance policy purchased from Liberty Surplus Lines (a Liberty Mutual Group company) (“Liberty Mutual”).

Third-party coverage

Subject to terms, conditions, and exclusions, the Liberty Mutual policy provides Guests with the following kinds of coverage. This coverage is active while they’re driving the booked vehicle during the booked trip.   

1. Bodily injury and property damage to third parties:
   • The Liberty Mutual Policy insures Guests who book with non-Commercial Hosts against liability to third parties for bodily injury and third party property damage resulting from the use of the booked vehicle during the booked trip. Coverage provided is up to the minimum liability coverage required by state law. Guests can’t decline this coverage.
   • If the primary Guest selects the Premier plan (discussed below), the limits of the coverage provided under the Liberty Mutual Policy are increased to a combined single limit of $750,000 subject to the terms of the policy.
2. Personal Injury Protection (“PIP”):
   • The Liberty Mutual Policy provides the minimum amount of PIP coverage allowed by law in those states where PIP coverage is required and can’t be waived.
   • The scope of PIP coverage varies by state. It typically protects Guests and passengers (up to a stated dollar amount) for:
     • medical expenses
     • loss of income
     • funeral expenses
     • similar expenses resulting from injuries incurred during the use of the booked vehicle during the booked trip
   • Coverage is provided regardless of who was at fault.
   • Turo has either waived this coverage entirely or subscribed to the lowest limit allowable by state law. Hosts and Guests are bound by Turo’s election and agree to be bound by that election under the Terms of Service.
   • The attached files include specific elections, rejections, and waivers for each state, and is incorporated by reference and made a part of the Terms of Service.
3. Uninsured or Underinsured Motorist (“UM/UIM"):  
   • The Liberty Mutual Policy includes the statutory minimum amount of UM/UIM coverage in those states where UM/UIM coverage is required by law and can’t be waived.  
   • UM/UIM coverage, when available, protects Guests and passengers from losses resulting from bodily injury caused by:
     • an uninsured driver
     • a hit and run driver
     • a driver whose limits of liability have been exhausted
     • a driver whose insurer is insolvent while in the booked vehicle during the booked trip
   • Turo has either waived this coverage entirely or subscribed to the lowest limit allowable by state law. Hosts and Guests are bound by Turo’s election and agree to be bound by that election pursuant to the Terms of Service.  
   • The attached files include specific elections, rejections, and waivers for each state, and is incorporated by reference and made a part of the Terms of Service.

Guest primary coverage vs excess coverage

The third-party liability insurance coverage provided to Guests under the Liberty Mutual Policy is always secondary to any other applicable insurance the Guest may have. For example, if the Guest has their own personal auto policy, it will be primary over the Turo protection.  

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. If the Vehicle qualifies as a “replacement vehicle,” the Guest’s comprehensive physical damage coverage also applies. However, in West Virginia the insurance available on Turo will be primary while in Maryland the insurance available on Turo will be primary unless the Guest is using Turo for a replacement vehicle while the Guest’s own insured vehicle is repaired. Guests should consult the language of their policy or speak to their own insurance agent to determine whether a car booked on Turo is considered a “replacement vehicle” under the Guest’s policy.

Guests should consult the language of their policy or speak to their own insurance agent to understand what coverage might exist for physical damage under their own auto insurance policies during the period of the booked trip. Turo and Turo Insurance Agency don’t provide information or advice about the Guest’s own coverage.  

Note: In some states, the host’s policy may continue to provide coverage for Guests and passengers, even during the booked trip. Turo Insurance Agency doesn’t provide information or advice about the existence or scope of any coverage that might be available under the host’s policy during the booked trip. 

Primary Guests can contractually limit the amount that they’re legally obligated to pay out of their own pocket in the event there’s Physical Damage to the booked car that’s not covered, or fully covered, by the primary Guest’s own insurance. Primary Guests may choose from four (4) options.

1. “Premier” plan: Under the Premier plan, the primary Guest isn’t responsible for paying out of pocket costs for reported Physical Damage (other than eligible Mechanical or Interior Damage) to the Vehicle. When Physical Damage is reported, the primary Guest won’t be financially obligated for the cost of the damage and will pay no deductible. When Mechanical or Interior Damage is reported, the primary Guest will be charged for eligible damage once a final assessment of the damage cost has been made. 
   A Guest who chooses the Premier plan is still responsible for costs unrelated to liability or physical damage costs. These may include such costs as excess mileage costs, parking tickets/tolls, and unremitted fuel costs. The Premier plan isn’t available for trips booked in Deluxe or Super Deluxe vehicles or for trips in vehicles with a total market value of more than $25,000.00. Primary Guests between the ages of 18-20 may not select this plan.
   *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.
2. "Standard" plan: Under the Standard 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 $500. When damage is reported, the primary Guest will be charged a $500 damage deposit. If the final damages plus all Related Costs, minus insurance collected, are below the deposit amount, or the claim is not covered, the difference will be refunded. Primary Guests between the ages of 18-20 may select this plan.
3. "Minimum" plan: 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. When damage is reported, the primary Guest will be charged a $500 damage deposit unless there was major damage (non drivable) to the Vehicle, in which case a $3,000 damage deposit will be charged. If the final damages plus all Related Costs, minus insurance collected, are below the deposit amount, or the claim is not covered, the difference will be refunded. Primary Guests between the ages of 18-20 may select this plan.
4. “Decline Physical Damage Protection” plan: Under this plan, the primary Guest’s financial responsibility for damage to the Vehicle isn’t contractually limited at all. When damage is reported, the primary Guest will be charged a $500 damage deposit unless there was major damage (non drivable) to the Vehicle, in which case a $3000 damage deposit will be charged.  If the final damages plus all Related Costs such as claims administrative fees and appraisal costs, minus insurance collected, are below the deposit amount, or the claim is not covered, the difference will be refunded. Primary Guests between the ages of 18-20 may not select this plan.
   The primary Guest is legally liable for the cost of repairs or, in the event of a total loss, the actual cash value of the car, plus all Related Costs such as claims administrative fees and appraisal costs, whether the primary Guest has their own insurance or not. For example, if the Vehicle is lost, stolen, or damaged during the booked trip so extensively that the expected cost of repairs exceeds 75% of the actual cash value, the primary Guest is legally liable to pay the entire actual cash value of the car, plus all Related Costs, minus any residual salvage value.
   If the primary Guest’s liability is not insured, the primary Guest is obligated to pay that money from his or her own pocket. If the primary Guest has applicable insurance, the primary Guest is obligated to pay the difference between the loss and the amount paid by the primary Guest’s insurer.

The contractual limitation of liability included in the Standard and Minimum protection plans:

• ONLY apply to the amount the primary Guest is obligated to pay in excess of insurance that is available from the Guest and has been collected; and

The contractual limitation of liability included in the Premier, Standard, and Minimum protection plans:

• ONLY apply if the primary Guest and each approved secondary driver abides by the Terms and Conditions;
• ONLY apply to Physical Damage that is not Mechanical or Interior Damage.

If you have questions about selecting among these options, please consult your insurance professional. You can also contact us at support.turo.com.