Turo Protection Plans: All Your Coverage Questions Answered
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- เผยแพร่เมื่อ 26 ก.ย. 2024
- Get the Coverage You Need for a Stress-Free Car Rental Experience: Learn About Turo Protection Plans
Turo is a unique car rental experience, but also comes with unique insurance coverage requirements. You need to be aware of the different kinds of coverages available in order to keep yourself safe and stress-free during your rental period.
Physical Damage contracts are one option, which include physical damage only - no interior or mechanical damage. As a guest, you’re responsible for any damage to the vehicle regardless of fault, and there are four protection plan options available. The Premier plan covers all physical damage with no deductible, while Standard and Minimum plans require you to pay up to $500/$3,000 out-of-pocket respectively. Lastly, the Decline Coverage plan requires a $500 deposit unless the rented vehicle is undrivable (in which case it’s $3,000).
Additionally, Liability coverage pays for bodily injury and property damage claims involving third parties up to policy limits (which vary by state). Non-commercial hosts have Personal Injury protection depending on whether their state requires it or not.
Keep in mind that this coverage is secondary - it only kicks in above and beyond your existing insurance policy. Before renting via Turo make sure to contact your insurance company as policies can differ when it comes to “car-sharing” being covered.
Thank you for this video.
Every other video is about the Hosts insurance.
Very thorough and easy to comprehend!
I’d be more interested in knowing if I can just add the vehicle to my insurance so I’m fully covered
I just saw that the liability of the premium protection plan in Turo covers only up to the state-minimum, not 750K, is this correct? Perhaps they changed it?
Why would I need to provide
My personal insurance to Turo if I paid for the standard plan? The reason o got this plan was to give me peace of mind that my personal provider would not be involved.
I'm a tourist from Europe. I am not insured, what do I need?
Good Informative video. Thank you.✌️👍❤️🙂🙏
Does Turo accept secondary and/or primary credit card coverage if an accident occurs ? Great video.
why would not my insurance company cover it? How is this different from me driving my friends car ?
It's strange, I agree
Insurance follows the car, not the driver. If you drive your friends car, and if you get into an accident, as long as you had permissive use and didn’t reside within their residence for more than 165 days in some states, their policy would cover it. Turo is such an ambiguous area because if you are allowing someone else to drive it, it is permissive use, so your insurance would cover it. Now if you doing rideshare, then your insurance would not unless you had a rideshare policy. Insurance is such a deep whole of technicality that it’s hard to determine coverage without reading the policy. Also, a lot of agents don’t really know what they are talking about because agents are on the sales side while auto adjusters are on the application side of actually applying your policy. Adjusters understand policies because they issue payments. Agents don’t always understand, and no fault to them because it’s really two different ballparks and there is so much. But I’d say read your policy specifically
What happened if the car dies on the road. What do the renters do?
So if we get some plan are they gonna charge us and take it away right away for protection or are they gonna hold it and if it doesn’t get damaged they give it back?
My question^
Had an. Insurance guy explain and still didn’t answer how to insure your car in the first place (geico State Farm progressive ) when your car is not in service. Your insurer will try to find any reason to deny coverage. So your personal car with personal insurance gets NO COVERAGE if you cause a small accident on date night and then file a claim. They will say oh you’re not covered because you violated our terms of service.
All the vehicles have liability insurance and they can’t be on the road with out an insurance. So if there is no fault collision or theft than the host’s insurance which was already there by default should be able to cover it.
Is that a thing in every state in the USA?
What about if I currently have insurance through State Farm with my own personal vehicle in the State that I live in, and I want to rent a BMW with Turo in the state of Arizona? Wont my current insurance cover accidents and incidents with a rental?
I have the same question
this all depends. i called to make sure and ended up denying it. honestly, i still might get the standard plan before my trip.
They will charge you more with your insurance for business use do better to keep them separate
Wait is this video for Turo host explaining the plans or is this for people that are wanting to rent a car to drive themselves and pay for the service? Lol
This information is incorrect. Turo's protection only applies if your insurance company denies coverage. So if you have a $500 deductible with your insurance company, your out of pocket is capped at $500. Turo's protection plans do not replace your insurance. Any claims will you go to your insurer first.
I'm from Costa Rica, I don't have a personal insurance, so If I get the Premier Protection, I don't have to worry about anything on a regular vehicle ($
I'm not sure, I would contact Turo for assistance with your situation.
I was born in Costa Rica🇨🇷🙌 and adopted to America what city in Costa Rica If you don't mind me asking
Thanks for the video. I just got back to my parked Turo rental and somebody backed and hit the front. I have minimum coverage. Im about to call the police but what am I liable here for? It's def less than 3k
With the minimum, you never pay for anything over $3k. So you’d basically pay for whatever the damage is
How'd it work out ?
RIA is I'm about to book a turo car with min cvr .... tks in advance
Thanks for this video. One thing I'm still trying to wrap my mind around: I don't understand how/why Turo can charge both hosts AND renters for protection plans. Let's say a host pays for a protection plan, but the renter has no protection plan or insurance. And then the renter gets into an accident. Wouldn't the host's plan go into effect? Why would the renter have a separate liability if the host has already bought a protection plan? It doesn't add up to me. Can you please help me understand? Thanks so much!
If you can explain this it would be great
Owners are required to carry their own business insurance. Commercial Auto Insurance through either their LLC or Sole Proprietorship.
Good video, but one suggestion. I would compare TURO to AirBnB for vehicles.
So if I rent a Tesla X Model, I wouldn't be covered?