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 own car insurance policy and I want to err on the safe side. Would Turo cover damage if I'm in an accident?

Answer
“I’m happy to report that the answer is yes, with a couple caveats.
When renting or hosting your vehicle with Turo, they provide insurance coverage with Liberty Mutual.
When you are a guest, you have the option of selecting one of three insurance plans or declining coverage. The opt-in plans are:
  • Minimum
  • Standard
  • Premier
Each of these plans limits the amount you may have to pay out of pocket for damage if you’re in an accident. It also raises the liability car insurance coverages 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 would 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, be sure to 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.
If you decide you’d like your own car insurance policy, you can shop around or go to Jerry. Jerry’s friendly agents can help find you the best deals on non-owners car insurance, which will cover you when renting or borrowing a vehicle. And it’s always free to download!”
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Emily Maracle
Answered on Sep 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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