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Does Turo cover damage if you're in an accident while renting one?
I'm signing up for Turo to rent a car. I don't have my car insurance policy and want to err on the safe side. Would Turo cover damage if I'm in an accident?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m happy to report that the answer is yes, with some caveats.
When renting or hosting your vehicle with Turo, they provide insurance coverage with
Liberty Mutual
.When you are a guest, you can select one of three insurance plans or decline coverage. The opt-in plans are:
- Minimum
- Standard
- Premier
Each plan limits the amount you may pay out of pocket for damage if you’re in an accident. It also raises the
liability car insurance
coverage on the vehicle you rent.Should you decline coverage with Turo, they would still provide the
minimum car insurance required
where you’re renting the vehicle. However, you’d be responsible for any physical damage to the vehicle.If you’re not at fault in an accident while renting a vehicle with Turo, the at-fault driver’s insurance will pay for the damage. Depending on the rules and regulations with Turo, you may still be required to pay some costs out of pocket.
Before renting a vehicle with Turo, read over all the terms and conditions. You should also review the coverage plans. Making sure you’re properly protected is essential when using a car-sharing service.
MORE:
Turo insurance
View full answer
- Gregory R.
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