covers third party bodily injury and third party property damage  resulting from an accident for which you’re liable. Personal auto insurance companies will charge people a deductible per event. The scope of PIP coverage varies by state. Turo currently offers its owners and renters third-party liability insurance from Liberty Mutual, which Turo obtains from a policy through the Turo Insurance Agency, LLC. have insurance, our liability insurance provider* will supplement your personal coverage. If you. We also use it to refer to any Turo authorized secondary drivers. This limits her financial responsibility to $3,000 out of pocket for amounts not covered by her own insurance. 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, 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. * 24/7 support & … Regardless of which protection plan the primary Guests chooses, the primary Guest is financially liable for the full cost of the repairs or replacement, as well as Related Costs, for interior damage or mechanical damage caused during the booked trip. Turo and Turo Insurance Agency don’t provide information or advice about the Guest’s own coverage. *Liability insurance covers third party bodily injury and third party property damage  resulting from an accident for which you’re liable. The following options are not insurance but a contract which sets forth your level of responsibility for Physical Damage. - These include all costs and fees resulting from damage of any kind to the Vehicle during the booked trip. 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. Cover your monthly car payments or simply earn some extra cash by sharing your car on Turo whenever you’re not using it. The contractual limitation of liability available under the Premier, Standard, and Minimum plans doesn’t apply to damage caused to the interior of the vehicle or mechanical damage caused during the booked trip (not normal “wear and tear”). That means that the primary Guest will be fully liable for physical damage, including up to the actual cash value of the car, in addition to all Related Costs. Check with your insurer before declining a protection plan on Turo. or otherwise intentionally, recklessly, or with wanton disregard, misuse the car, the contractual limitation of liability is void and does not apply. Plus, those typically only cover damage to the rented vehicle. Under this plan, the primary Guest’s financial responsibility for damage to the Vehicle isn’t contractually limited at all. Third-party liability insurance provided by Liberty Mutual secured through Turo Insurance Agency, LLC Share your car with confidence All Turo hosts choose the protection plan that’s right for them, and every host plan comes standard with up to $750,000* in third-party liability insurance from Liberty Mutual. If a third party accepts total fault for the claim and that third party’s insurer processes it on behalf of the host without substantial processing by Turo’s third party claims administrator, we’ll refund the Guest the claims processing fee. Guest’s responsibility for damage to the vehicle. 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. 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. If your Turo host (the person or business who owns the car) uses their own commercial insurance,your situation will … Credit card rental insurancedefinitely does not cover Turo rentals, including AmEx’s Premium Car Rental Insurance. 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. 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. And your. If you do decline, you’ll be relying solely on your own applicable personal insurance coverage to cover loss or damage to the host’s vehicle. - Refers to the primary guest tied to the trip booking. It’s best to check with your insurer or your broker before making your decision. Guests who book a car with a protection plan. You’re protected by £20 million in liability insurance and each traveler is prescreened. Turo has either waived this coverage entirely or subscribed to the lowest limit allowable by state law. For example, if there’s Physical Damage to the Vehicle during the period of the booked trip, the primary Guest will be financially liable for the costs of repair, plus Related Costs. This vehicle belongs to a Commercial Host, an independent car rental company.” You’ll also see the host’s name listed as the insurance provider for the trip. My main question is, am I able to use the guest's insurance policy to cover the full cost of the damage, now that I've already filed the claim with Turo. Turo insurance: Select a protection plan Auto insurance always comes into play when you’re driving a car, and Turo provides a few options for insurance coverage while you’re driving someone else’s car. Don't assume your insurance or credit card company will cover your Turo trip. - Any damage to the vehicle, including Mechanical Damage and Interior Damage. By renting out cars on Turo and GetAround you potentially expose your personal assets to litigation if a guest gets into an accident. I got as far as the checkout page and it just said "liberty mutual". Turo’s Premium insurance does have an advantage, though. 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. Coverage provided is up to the minimum liability coverage required by state law. It typically protects Guests and passengers (up to a stated dollar amount) for: similar expenses resulting from injuries incurred during the use of the booked vehicle during the booked trip. If you’ve booked a vehicle from a Commercial Host, none of the above applies, and you won’t be offered a protection plan at checkout. This coverage is active while they’re driving the booked vehicle during the booked trip. 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. You may or may not need to have personal insurance to book with these hosts. Upon communication No coverage is available for hosts who are not utilizing a Turo protection plan. That means that the primary Guest will be fully liable for physical damage, including up to the actual cash value of the car, in addition to all Related Costs. It’s best to check with your insurer or your broker before making your decision. Depending on the protection plan you select, liability coverage is up to $750,000 in the US. 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