What kind of insurance do you need for Turo?

You don't need personal insurance coverage if you book a trip with a protection plan made available via Turo. If you do have insurance, our liability insurance provider* will supplement your personal coverage. Depending on the protection plan you select, liability coverage is up to $750,000 in the US.

How Turo’s Insurance Works: Renters Fault Host Pays

Is insurance included with Turo?

Does Turo include car insurance? No — for both hosts and renters, Turo does not automatically provide insurance coverage. Hosts and renters are given three protection plans to choose from or can decline coverage if they have their own applicable commercial or personal auto policies.

What happens if you get in an accident while using Turo?

If you have an accident as a Turo renter, you must report the accident immediately – at least within 24 hours of the trip's end or date of the incident. You must also file a police report and provide the report number to Turo. If you don't, you may not be eligible for compensation.

Do I need full coverage to list my car on Turo?

Yes, you still need your own insurance for your vehicle to cover the financial responsibility laws in your state. Because the vehicle protection plans offered on Turo only apply to trips booked on Turo, you are still required by law to register and insure your vehicle when it's not being shared on Turo.

What happens if you damage a Turo car?

If your guest reports damage to your vehicle, we'll email you a damage notification. If the damage to your vehicle exposes a safety risk or renders it inoperable, we'll restrict your vehicle making it unavailable for guests to book. Once you've had the damage repaired, you can contact us to remove the restriction.

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Does Turo make you pay for insurance?

Do I need my own insurance? You don't need personal insurance coverage if you book a trip with a protection plan made available via Turo. If you do have insurance, our liability insurance provider* will supplement your personal coverage.

What happens if you get in an accident while using Turo?

If you have an accident as a Turo renter, you must report the accident immediately – at least within 24 hours of the trip's end or date of the incident. You must also file a police report and provide the report number to Turo. If you don't, you may not be eligible for compensation.

Do I need full coverage to list my car on Turo?

Yes, you still need your own insurance for your vehicle to cover the financial responsibility laws in your state. Because the vehicle protection plans offered on Turo only apply to trips booked on Turo, you are still required by law to register and insure your vehicle when it's not being shared on Turo.

Does Turo pay for damages?

We'll issue you payment for damage costs above your protection plan's deductible. Turo uses the word “deductible” to mean the amount you're responsible for before you're eligible for reimbursement for any physical damage to your car that happens during a trip.

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Can you get sued on Turo?

You could sue Turo if the owner lied about the defects present on a car and you were involved in an accident because the pre-existing damage. You may also be able to sue if there are warrants for the car and you are arrested or left stranded because of a repossession.

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