Turo Insurance Policy: A Guide to Understanding Your Coverage

Posted by Presiden 2020 February 12, 2024 Post a Comment

Driving a rental car can be a great way to save money and get around. But what happens if you get into an accident? Will your insurance cover the damages? The answer depends on your insurance policy and the rental car company's policy. In this article, we'll take a closer look at Turo's insurance policy and explain what it covers and what it doesn't.

Turo is a peer-to-peer car sharing platform that allows people to rent cars from each other. Turo offers a variety of insurance options to protect renters and hosts in the event of an accident. The most comprehensive option is the Turo Premium Protection Plan, which covers up to $1 million in damages to the rental car. The Standard Protection Plan covers up to $750,000 in damages.

In addition to the Turo insurance policy, you may also have coverage through your own personal auto insurance policy. However, it's important to check with your insurance company to see what your policy covers and what the limits are. Some policies may only provide limited coverage for rental cars, while others may not cover them at all.

Turo Insurance Policy

Protect yourself and your rental.

Covers up to $1 million in damages
Standard coverage up to $750,000
Optional roadside assistance
Reimbursement for lost keys
Coverage for theft and vandalism
Liability insurance included
Collision and comprehensive coverage
Covers damage to other vehicles and property
Available for all Turo rentals
Easy to add when booking a car

Drive with peace of mind knowing you're covered.

Covers up to $1 million in damages

Turo's Premium Protection Plan covers up to $1 million in damages to the rental car, regardless of who is at fault. This means that if you are involved in an accident, you will not be responsible for paying for the damages to the rental car, even if you are found to be at fault. This coverage is included in the rental price, so you don't have to pay anything extra for it.

The Standard Protection Plan covers up to $750,000 in damages to the rental car. This is also included in the rental price, but it provides less coverage than the Premium Protection Plan. If you are involved in an accident and the damages exceed $750,000, you will be responsible for paying the difference.

Both the Premium Protection Plan and the Standard Protection Plan cover damages to the rental car itself, as well as damages to other vehicles and property. This means that if you cause damage to another car or to someone's property while you are driving the rental car, Turo's insurance will cover the cost of the damages.

It's important to note that Turo's insurance policy does not cover personal injuries. If you or someone else is injured in an accident while you are driving a Turo rental car, you will need to file a claim with your own personal auto insurance policy or the other driver's insurance policy.

Turo's insurance policy is designed to give renters peace of mind knowing that they are covered in the event of an accident. With coverage up to $1 million in damages, renters can drive with confidence knowing that they won't be responsible for paying for expensive repairs or damages.

Standard coverage up to $750,000

Turo's Standard Protection Plan provides coverage up to $750,000 for damages to the rental car, regardless of who is at fault. This means that if you are involved in an accident and the damages to the rental car are less than $750,000, you will not be responsible for paying for the damages.

Covers damages to the rental car:
This includes damage caused by accidents, theft, vandalism, and natural disasters.
Covers damages to other vehicles and property:
This includes damage caused to other cars, buildings, and personal property while you are driving the rental car.
Included in the rental price:
You do not have to pay anything extra for the Standard Protection Plan. It is included in the rental price of all Turo cars.
Does not cover personal injuries:
If you or someone else is injured in an accident while you are driving a Turo rental car, you will need to file a claim with your own personal auto insurance policy or the other driver's insurance policy.

The Standard Protection Plan is a good option for renters who want basic coverage for the rental car. It provides coverage for up to $750,000 in damages, which is sufficient for most accidents. However, if you are concerned about causing more than $750,000 in damages, you may want to consider purchasing the Premium Protection Plan, which provides coverage up to $1 million.

Optional roadside assistance

Turo's optional roadside assistance provides renters with peace of mind knowing that they will be taken care of in the event of a breakdown or other car trouble. Roadside assistance is available 24 hours a day, 7 days a week, and covers a variety of services, including:

Towing:
If your rental car breaks down and cannot be driven, roadside assistance will tow it to the nearest repair shop.
Flat tire repair:
If you get a flat tire, roadside assistance will come and repair it or replace the tire.
Jump-starts:
If your rental car's battery dies, roadside assistance will come and jump-start it.
Fuel delivery:
If you run out of gas, roadside assistance will deliver fuel to your location.

Roadside assistance is available for an additional fee, which varies depending on the length of your rental. You can add roadside assistance to your rental when you book your car on Turo's website or app.

Roadside assistance is a good option for renters who are planning to drive their rental car long distances or who are concerned about breaking down in an unfamiliar area. It can also be helpful for renters who are not familiar with driving in the area where they are renting the car.

Reimbursement for lost keys

Turo's insurance policy includes reimbursement for lost keys, up to a certain amount. This means that if you lose the keys to the rental car, you can file a claim with Turo and be reimbursed for the cost of replacing the keys. The amount of reimbursement you receive will depend on the type of car you rented and the cost of replacing the keys.

To file a claim for lost keys, you will need to contact Turo's customer support team. You will need to provide them with the following information:

Your Turo reservation number
The date and time you lost the keys
The location where you lost the keys
A copy of the police report (if applicable)
Receipts for the replacement keys

Once you have submitted your claim, Turo will review it and determine how much reimbursement you are eligible for. The reimbursement amount will be deposited into your bank account or credited to your Turo account.

Reimbursement for lost keys is a valuable benefit that can help renters avoid paying for expensive replacement keys. It is important to note that the reimbursement amount is limited, so it is important to take care of the rental car keys and avoid losing them.

Here are some tips to avoid losing your rental car keys:

Keep the keys in a safe place, such as a zippered pocket or a purse.
Do not leave the keys in the car when you are not driving it.
If you are going to be away from the car for a long period of time, consider locking the keys in the trunk.
If you do lose the keys, contact Turo's customer support team immediately.

Coverage for theft and vandalism

Turo's insurance policy includes coverage for theft and vandalism, up to the actual cash value of the rental car. This means that if the rental car is stolen or vandalized, you will be reimbursed for the cost of repairing or replacing the car. The amount of reimbursement you receive will depend on the extent of the damage and the value of the car.

To file a claim for theft or vandalism, you will need to contact Turo's customer support team. You will need to provide them with the following information:

Your Turo reservation number
The date and time of the theft or vandalism
The location where the theft or vandalism occurred
A copy of the police report
Photos of the damage

Coverage for theft and vandalism is a valuable benefit that can help renters protect themselves from financial loss in the event that the rental car is stolen or vandalized. It is important to note that the coverage is limited to the actual cash value of the car, so it is important to take care of the rental car and avoid leaving it in areas where it is likely to be stolen or vandalized.

Here are some tips to avoid theft and vandalism of your rental car:

Park the car in a well-lit area.
Lock the car doors and windows whenever you leave it.
Do not leave valuables in the car.
Be aware of your surroundings and report any suspicious activity to the authorities.

Liability insurance included

Turo's insurance policy includes liability insurance, which protects you from financial responsibility if you cause damage to another person or their property while driving the rental car. Liability insurance covers the following:

Bodily injury to others
Property damage to others
Legal defense costs

The amount of liability insurance coverage you have will depend on the state where you are renting the car. In most states, the minimum liability insurance coverage is $100,000/$300,000/$50,000. This means that you are covered for up to $100,000 for bodily injury to one person, $300,000 for bodily injury to all persons in one accident, and $50,000 for property damage.

If you are involved in an accident while driving a Turo rental car, you should immediately contact Turo's customer support team. They will help you file a claim and will work with you to resolve the matter.

Liability insurance is an important part of any car insurance policy. It protects you from financial ruin in the event that you cause an accident. Turo's liability insurance coverage is included in the rental price, so you don't have to pay anything extra for it.

Here are some tips to reduce your risk of being involved in an accident:

Obey the speed limit and all other traffic laws.
Be aware of your surroundings and other drivers.
Avoid driving under the influence of alcohol or drugs.
Wear your seatbelt at all times.

Collision and comprehensive coverage

Turo's insurance policy includes collision and comprehensive coverage, which protects you from financial loss if the rental car is damaged or destroyed in an accident, regardless of who is at fault. Collision coverage covers damage to the rental car caused by a collision with another vehicle or object, while comprehensive coverage covers damage caused by events other than a collision, such as theft, vandalism, fire, and natural disasters.

Collision coverage:
This coverage pays for repairs or replacement of the rental car if it is damaged in a collision with another vehicle or object. It also covers damage caused by rolling over the car.
Comprehensive coverage:
This coverage pays for repairs or replacement of the rental car if it is damaged or destroyed by an event other than a collision, such as theft, vandalism, fire, and natural disasters. It also covers damage caused by hitting an animal.
Deductible:
Collision and comprehensive coverage both have a deductible, which is the amount you have to pay out of pocket before the insurance company starts to pay for repairs or replacement. The deductible amount varies depending on the type of car you rent and the coverage you choose.
Rental car reimbursement:
If the rental car is damaged or destroyed and you cannot drive it, collision and comprehensive coverage will reimburse you for the cost of renting a replacement car while your rental car is being repaired or replaced.

Collision and comprehensive coverage are important parts of any car insurance policy. They protect you from financial loss in the event that the rental car is damaged or destroyed. Turo's collision and comprehensive coverage is included in the rental price, so you don't have to pay anything extra for it.

Covers damage to other vehicles and property

Turo's insurance policy includes coverage for damage to other vehicles and property, up to the actual cash value of the damaged property. This means that if you cause damage to another car or to someone's property while driving the rental car, Turo's insurance will cover the cost of repairing or replacing the damaged property. The amount of coverage you have will depend on the type of car you rent and the coverage you choose.

To file a claim for damage to other vehicles or property, you will need to contact Turo's customer support team. You will need to provide them with the following information:

Your Turo reservation number
The date and time of the accident
The location of the accident
The name and contact information of the other driver(s) involved in the accident
A copy of the police report (if applicable)
Photos of the damage

Once you have submitted your claim, Turo will review it and determine how much coverage you are eligible for. The coverage amount will be paid to the other driver or property owner directly.

Coverage for damage to other vehicles and property is an important part of any car insurance policy. It protects you from financial responsibility if you cause damage to someone else's property. Turo's coverage for damage to other vehicles and property is included in the rental price, so you don't have to pay anything extra for it.

Here are some tips to avoid causing damage to other vehicles and property:

Obey the speed limit and all other traffic laws.
Be aware of your surroundings and other drivers.
Avoid driving under the influence of alcohol or drugs.
Park the car carefully and avoid hitting other cars or objects.

Available for all Turo rentals

Turo's insurance policy is available for all Turo rentals, regardless of the type of car you rent or the length of your rental. This means that you can always be sure that you are protected in the event of an accident or other covered event.

To add Turo's insurance to your rental, simply select the coverage you want when you book your car. You can choose from the following coverage options:

Premium Protection Plan:
This plan provides coverage up to $1 million for damages to the rental car, as well as coverage for damage to other vehicles and property, liability insurance, and collision and comprehensive coverage.
Standard Protection Plan:
This plan provides coverage up to $750,000 for damages to the rental car, as well as coverage for damage to other vehicles and property, liability insurance, and collision and comprehensive coverage.
Basic Protection Plan:
This plan provides coverage up to $50,000 for damages to the rental car, as well as liability insurance.

The cost of Turo's insurance varies depending on the coverage you choose and the length of your rental. The cost of insurance is included in the total rental price, so you don't have to pay anything extra for it.

Turo's insurance policy is a great way to protect yourself from financial loss in the event of an accident or other covered event. With Turo's insurance, you can drive with peace of mind knowing that you are covered.

Here are some tips for choosing the right Turo insurance plan for you:

Consider the value of the rental car.
Think about the length of your rental.
Consider your own personal auto insurance policy.
Choose the coverage plan that best meets your needs and budget.

Easy to add when booking a car

Turo's insurance policy is easy to add when you book a car. Simply follow these steps:

Select the car you want to rent.
When you find a car that you want to rent, click on the "Book" button.
Choose your coverage plan.
On the next page, you will be asked to choose your coverage plan. Select the plan that best meets your needs and budget.
Enter your payment information.
Once you have selected your coverage plan, you will need to enter your payment information. Turo accepts major credit cards and debit cards.
Complete your booking.
After you have entered your payment information, click on the "Book Now" button to complete your booking.

Turo's insurance policy is automatically added to your rental when you book a car. You don't have to do anything else. You can view your insurance policy details in your Turo account.

If you have any questions about adding Turo's insurance to your rental, you can contact Turo's customer support team. They are available 24 hours a day, 7 days a week.

FAQ

Have questions about Turo's insurance policy? Here are some frequently asked questions:

Question 1: What is Turo's insurance policy?
Answer 1: Turo's insurance policy provides coverage for renters and hosts in the event of an accident or other covered event.

Question 2: What does Turo's insurance policy cover?
Answer 2: Turo's insurance policy covers a variety of things, including damages to the rental car, damages to other vehicles and property, liability insurance, and collision and comprehensive coverage.

Question 3: How much does Turo's insurance cost?
Answer 3: The cost of Turo's insurance varies depending on the coverage you choose and the length of your rental. The cost of insurance is included in the total rental price.

Question 4: How do I add Turo's insurance to my rental?
Answer 4: You can add Turo's insurance to your rental when you book a car. Simply select the coverage plan that you want and enter your payment information.

Question 5: What if I have an accident while driving a Turo rental car?
Answer 5: If you have an accident while driving a Turo rental car, you should immediately contact Turo's customer support team. They will help you file a claim and will work with you to resolve the matter.

Question 6: What if I have questions about Turo's insurance policy?
Answer 6: If you have questions about Turo's insurance policy, you can contact Turo's customer support team. They are available 24 hours a day, 7 days a week.

Closing Paragraph for FAQ:

Transition Paragraph:

Here are some additional tips for understanding and using Turo's insurance policy:

Tips

Here are some tips for understanding and using Turo's insurance policy:

Tip 1: Choose the right coverage plan for you.

Turo offers a variety of coverage plans, so you can choose the one that best meets your needs and budget. Consider the value of the rental car, the length of your rental, and your own personal auto insurance policy when choosing a coverage plan.

Tip 2: Add Turo's insurance to your rental when you book a car.

Turo's insurance is easy to add when you book a car. Simply select the coverage plan that you want and enter your payment information. You can also add Turo's insurance to your rental after you have booked it, but you may have to pay a higher price.

Tip 3: File a claim promptly if you have an accident.

If you have an accident while driving a Turo rental car, you should immediately contact Turo's customer support team. They will help you file a claim and will work with you to resolve the matter.

Tip 4: Keep a copy of your Turo insurance policy in your car.

It is a good idea to keep a copy of your Turo insurance policy in your car in case you need to refer to it. You can print a copy of your policy from your Turo account.

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By following these tips, you can better understand and use Turo's insurance policy. With Turo's insurance, you can drive with peace of mind knowing that you are covered in the event of an accident or other covered event.

Transition Paragraph:

Turo's insurance policy is a valuable benefit that can protect you from financial loss in the event of an accident or other covered event. By understanding and using the policy correctly, you can ensure that you are fully protected.

Conclusion

Turo's insurance policy is a valuable benefit that can protect you from financial loss in the event of an accident or other covered event. With Turo's insurance, you can drive with peace of mind knowing that you are covered.

Here are some of the key points to remember about Turo's insurance policy: