This article only applies to rentals in the United States.
As referenced in our Terms of Service, Turo users are entitled to the minimum limits required by law (in some states, this minimum amount is zero).* Turo has, on behalf of users, either waived coverage entirely or subscribed to the lowest limit allowable by state law, and users are bound by such election and agree to be so bound. Specifics vary by state, and by accepting our Terms of Service, you agree to waive, to the maximum extent permitted by law, any Uninsured/Underinsured Motorist, PIP, No-Fault or similar "first-party" coverage.
The attached file includes specific elections, rejections, and waivers for each state, and is incorporated by reference and made a part of the Terms of Service.
* Commercial Hosts who decline a Turo protection plan and opt to provide their own commercial rental insurance instead, and guests who book those vehicles, are not subject to these terms and instead are subject to the policies of their own commercial insurance.