- Guests are financially responsible for physical damage to the host’s vehicle if the claim is deemed eligible for coverage.* Depending on which protection plan they’ve selected (Decline, Basic, or Premium), they can limit their out-of-pocket financial exposure. See here for a detailed description of our protection plans.
- In the case of a collision, the guest remains financially responsible for 100% of the costs associated with the damage to the host's car until (and unless) a third party has accepted full responsibility and wholly satisfied all financial obligations relating to the incident.*
- Turo always stands ready to be responsible to the host* for any eligible claim, and will take it upon itself to collect any appropriate amounts from guests if necessary. Guests are responsible for claims processing fees of up to $500, in addition to any appraisal fees, unless the host decides that they do not want to process a claim through our system.
* If the vehicle in question is provided by a Commercial Host (a host is providing their own commercial rental insurance), Turo does not provide insurance or protection to the vehicle or their guests, and the host’s own insurance and protections will apply. These protections and insurance may differ, and Turo does not provide support for damage claims, accidents, or other financial obligations or issues in these circumstances.