How much coverage should I carry for my liability when I am not using Turo?

I have three cars insured with Turo and I am comfortable with my coverage there. But when I drive the cars personally, what kind of limits should I have?

Answer provided by
Shannon Martin
Answered on Apr 29, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Turo will only pay out when your cars are involved in an accident while you are hosting—not when you are driving them for your regular use.
The standard personal auto insurance policy has not caught up with the concept of “”carsharing”” yet, so your best bet would be to find an excellent commercial carrier. It is always a good idea to carry more than the state minimum in coverage; the recommended standard liability insurance limit is 100/300/50.
If you currently have a personal auto policy, the same advice applies. Make sure your carrier knows that you have a Turo policy for when the car is shared, and carry more than the minimum coverage for yourself.
As far as comprehensive coverage and collision coverage go, you will want to choose the highest deductible you can afford to pay at the time of a loss. This will keep the rate as low as possible.”

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