How Does Turo Insurance Work?

Are you considering renting your car on Turo or planning to rent a car from someone on Turo? It’s important to understand how Turo insurance works to protect yourself and your car. This guide will walk you through everything you need to know about Turo insurance.

What is Turo Insurance?

Turo offers insurance policies to protect car owners and renters during a trip. Turo insurance works by providing liability, collision, and comprehensive coverage for the rented car. The insurance policy varies depending on the region and the car owner’s protection plan.

The insurance policy is provided by Turo’s insurance partner, Liberty Mutual, and is included in the trip price. The premium for insurance is calculated based on various factors, such as the car’s age, make, and model, and the driver’s age and driving record.

Types of Turo Insurance Coverage

There are three types of Turo insurance coverage:

1. Liability Insurance

Liability insurance is mandatory for all Turo trips. It covers bodily injury and property damage caused to others by the driver of the rented car. The coverage limit is up to $1 million USD per accident.

2. Collision Insurance

Collision insurance is optional for car owners and renters. It covers damage to the rented car caused by a collision with another vehicle or object. The car owner can choose between three protection plans: basic, standard, and premium. The protection plan determines the deductible amount and the maximum coverage amount.

3. Comprehensive Insurance

Comprehensive insurance is also optional for car owners and renters. It covers damage to the rented car caused by non-collision incidents, such as theft, vandalism, or natural disasters. The coverage limit is up to the actual cash value of the car, with a deductible amount determined by the car owner’s protection plan.

How to Purchase Turo Insurance

Turo insurance is automatically included in the trip price, but car owners and renters can choose to decline or purchase additional coverage.

Car owners can choose between three protection plans: basic, standard, and premium. The protection plan determines the deductible amount and the maximum coverage amount. Renters can purchase additional protection packages, such as supplemental liability insurance, personal accident insurance, or roadside assistance, for an extra fee.

How Turo Insurance Claims Work

If the rented car is involved in an accident, the car owner or renter must follow Turo’s claims process:

1. Report the incident

The car owner or renter must report the incident to Turo as soon as possible via the Turo app or website. They must provide all relevant details, such as the date, time, location, and description of the incident, as well as any photos or videos.

2. File a claim

Turo’s claims team will review the incident and determine the coverage and liability. The car owner or renter may need to provide additional information or documentation, such as a police report or repair estimate.

3. Repair the car

If the rented car needs repairs, the car owner can choose a repair shop from Turo’s network of preferred providers or use their preferred repair shop. Turo will handle the payment directly with the repair shop.

4. Resolve the claim

Once the repairs are complete, Turo’s claims team will close the claim and handle any outstanding payments or disputes between the parties involved.

FAQ

Conclusion

Turo insurance provides necessary protection for car owners and renters during a trip. It’s important to understand the types of coverage and how to purchase and file a claim. By following Turo’s insurance policy, you can ensure a safe and worry-free trip.