If you book a trip in the US, certain Canadian provinces, and the UK, you can choose a protection plan on Turo (unless you’re booking with a Commercial Host). For the Premier, Standard, and Minimum plans, if the Guest or any of their approved secondary drivers violate the. Mary is a frequent guest with Turo in the US and always purchases the Minimum protection plan. You can also contact us at, Combined UM UIM PIP Guest 750 SIGNED 2020 12 30 Turo.pdf, Combined UM UIM PIP Guest MFR SIGNED 2020 12 29 Turo.pdf, Detailed explanation of host protection plans | US, Guest accidents, claims, and responsibilities | US. Get paid. Depending on the protection plan you select, liability coverage is up to $750,000 in the US. Don't assume your insurance or credit card company will cover your Turo trip. It’s read, “This vehicle belongs to a Commercial Host, an independent car rental company.” You’ll also see the host’s name listed as the insurance provider for the trip. Turo auto insurance coverage options: how does Turo insurance work? Unless you’re confident that your personal insurance will cover you, we strongly advise that you select a protection plan when booking your trip. Note: In some states, the host’s policy may continue to provide coverage for Guests and passengers, even during the booked trip. If your Turo host (the person or business who owns the car) uses their own commercial insurance,your situation will … in the state of New York where Services aren’t available or. Guests who book a car with a protection plan. Or bring your own commercial rental insurance and take a bigger piece of the pie. You can also choose to d. ecline a protection plan. My main question is, am I able to use the guest's insurance policy to cover the full cost of the damage, now that I've already filed the claim with Turo. If the final damages plus all Related Costs, minus insurance collected, are below the deposit amount, or the claim is not covered, the difference will be refunded. Once your guest has found the car, they’ll be able to unlock it directly from the Turo app and will be prompted to document its condition, inside and out. That means that the primary Guest will be fully liable for physical damage, including up to the actual cash value of the car, in addition to all Related Costs. Win more business by becoming a Commercial Host on Turo. Cost and fees include but are not limited to: Third-party liability insurance provided by Liberty Mutual secured through Turo Insurance Agency, LLC Share your car with confidence All Turo hosts choose the protection plan that’s right for them, and every host plan comes standard with up to $750,000* in third-party liability insurance from Liberty Mutual. All Turo guests are prescreened, and Turo hosts can choose the protection plan that’s right for them. All Protection Plans include third-party liability insurance from Liberty Mutual under a policy acquired by Turo via Turo Insurance Agency, LLC, a licensed insurance producer. Cover your monthly car payments or simply earn some extra cash by sharing your car on Turo whenever you’re not using it. Every host plan comes standard with up to $750,0002 in third-party liability insurance from Liberty Mutual. *Note, third party liability coverage under the Liberty Mutual policy is still secondary for Guests who have other applicable coverage under the Premier plan, other than in some circumstances in the state of Maryland. Claims processing costs vary but are typically up to $575 per claim. If a third party accepts total fault for the claim and that third party’s insurer processes it on behalf of the host without substantial processing by Turo’s third party claims administrator, we’ll refund the Guest the claims processing fee. Credit card rental insurancedefinitely does not cover Turo rentals, including AmEx’s Premium Car Rental Insurance. Guest primary coverage vs excess coverage. Turo has either waived this coverage entirely or subscribed to the lowest limit allowable by state law. Credit card companies don’t cover peer-to-peer car sharing reservations. Without an RF blocking pouch, the car may inadvertently become unlocked, compromising your car’s security. Turo: the company that lets you rent your personal car out for money. The contractual limitation of liability available under the Premier, Standard, and Minimum plans doesn’t apply to damage caused to the interior of the vehicle or mechanical damage caused during the booked trip (not normal “wear and tear”). Turo has arranged its motor insurance with Allianz Insurance plc via Turo broker Aon UK Limited. Please refer to the listing or contact the Commercial Host for information about any insurance or protection available to you, including any related fees. Turo screens each guest for suitability. I had basic Insurance with a 3k deductible on the host end and tried to go through a guest’s personal insurance since he had the same policy selected through turo. Guests who book a car with a protection plan do not need personal car insurance to use Turo. through Turo Insurance Agency, LLC, an Arizona insurance producer. Carefully check the terms and conditions of your policies and consult your own insurance agent before you make a decision about which Turo protection plan is right for you. If the Vehicle qualifies as a “replacement vehicle,” the Guest’s comprehensive physical damage coverage also applies. The attached files include specific elections, rejections, and waivers for each state, and is incorporated by reference and made a part of the Terms of Service. However, in West Virginia the insurance available on Turo will be primary while in Maryland the insurance available on Turo will be primary unless the Guest is using Turo for a replacement vehicle while the Guest’s own insured vehicle is repaired. Turo Support Insurance & Claims Guests Guests Personal insurance requirements for guests Guest accidents, claims, and responsibilities | US Guest accidents, claims, and responsibilities Guest … Turo provides 24/7 assistance to its car owners. You can also choose to decline a protection plan. It’s best to check with your insurer or your broker before making your decision. , check the vehicle listing for any personal insurance requirements. This insurance is available to all owners who operate in the U.S., UK, Germany, and certain provinces in Canada. You can read about protection plans for guests in the US or Canada. Turo isn’t an insurance company. Delivery Period (when the host or designee, who is a “Turo Approved Driver,” is actively delivering the car to the guest, and not while retrieving the car from the guest). My vehicle was returned to me yesterday by the guest with damage to the front bumper and rear driver's side fender. If the Vehicle qualifies as a “replacement vehicle,” the Guest’s comprehensive physical damage coverage also applies. Turo isn’t an insurance company. Turo Insurance Agency ensures coverage for hosts’ cars while they’re booked, and hosts can save money on auto insurance by not doubling up. Regardless of which protection plan the primary Guests chooses, the primary Guest is financially liable for the full cost of the repairs or replacement, as well as Related Costs, for interior damage or mechanical damage caused during the booked trip. covers third party bodily injury and third party property damage  resulting from an accident for which you’re liable. It typically protects Guests and passengers (up to a stated dollar amount) for: similar expenses resulting from injuries incurred during the use of the booked vehicle during the booked trip. Will the insurance or coverage I have through my credit card cover my Turo trip. One way Turo evaluates the reliability of potential guests is by looking at your insurance score, also called your credit-based insurance score. Turo isn’t an insurance company. If you do, your out-of-pocket exposure will extend to the full value of the vehicle and all related costs. Sounds pretty straightforward, right? 'As another example, if there’s Physical Damage to the Vehicle that results in it being a total loss, then the primary Guest will be financially liable for the actual cash value of the Vehicle, plus Related Costs, minus the salvage value, if any. Related Costs- These include all costs and fees resulting from damage of any kind to the Vehicle during the booked trip. Uninsured or Underinsured Motorist (“UM/UIM"): The Liberty Mutual Policy includes the statutory minimum amount of UM/UIM coverage in those states where UM/UIM coverage is required by law and can’t be waived. These hosts offer their own commercial rental insurance directly to guests. Turo requires hosts (unless they’re covered by a commercial car insurance policy, which you probably aren’t) to choose and pay for a Premium, Standard or Basic insurance plan. With each Turo protection plan, you’re covered with liability insurance from Liberty Mutual provided through Turo Insurance Agency — up to $750,000 for the Premier plan. All protection plans include coverage under a third-party automobile liability insurance policy purchased from Liberty Surplus Lines (a Liberty Mutual Group company) (“Liberty Mutual”). If you book a trip in the US, certain Canadian provinces, and the UK, you can choose a protection plan on Turo (unless you’re booking with a Commercial Host). Below are links to quick summaries of our guest protection plans and to more-detailed plan information: Some hosts on Turo are Commercial Hosts. If you do have insurance, our liability insurance provider* will supplement your personal coverage. The Liberty Mutual Policy provides the minimum amount of PIP coverage allowed by law in those states where PIP coverage is required and can’t be waived. Guest’s responsibility for damage to the vehicle. If a Guest is insured under a policy of auto liability insurance issued in Maryland or in West Virginia that includes collision and/or comprehensive coverage for physical damage, the Guest’s collision coverage applies during the booked trip with the Vehicle. Guests may be insured against Physical Damage to the Vehicle that occurs during the period of the booked trip under their own automobile policies. It’s up to $2 million in Canada, and up to £20 million in the UK. Turo policy requires that hosts provide a key to the guests, even when the car is accessed remotely, so the guest can use the car normally during their trip. Innovating auto insurance Turo has changed the economics of car ownership by allowing hosts to offset the cost of their vehicles, and, for many hosts, auto insurance is a significant portion of that cost. Exception for Maryland and West Virginia: If a Guest is insured under a policy of auto liability insurance issued in Maryland or in West Virginia that includes collision and/or comprehensive coverage for physical damage, the Guest’s collision coverage applies during the booked trip with the Vehicle. will not provide coverage for a Turo trip. Coverage provided is up to the minimum liability coverage required by state law. Soooo…Turo “insurance agency/not an insurance company” runs their own insurance agency, through which Turo Airbnb-like car rental business buys insurance and then almost certainly deducts it as a fat business expense. Turo isn’t an insurance company. When damage is reported, the primary Guest will be charged a $500 damage deposit unless there was major damage (non drivable) to the Vehicle, in which case a $3000 damage deposit will be charged. You’ll know if you’re  booking a trip with a Commercial Host because their vehicle description page will include a notice. Primary Guests can contractually limit the amount that they’re legally obligated to pay out of their own pocket in the event there’s Physical Damage to the booked car that’s not covered, or fully covered, by the primary Guest’s own insurance. Even if the third-party liability insurance coverage under the Guest’s own car insurance doesn’t apply, the first-party liability coverage for physical damage (as defined in that policy) may. They should upload the photos to Trip Photos at the start of the trip. While these car sharing platforms proudly state that they offer a 1 million dollar liability policy , there are many ways where … *Liability insurance covers third party bodily injury and third party property damage  resulting from an accident for which you’re liable. If you’ve booked a vehicle from a Commercial Host, none of the above applies, and you won’t be offered a protection plan at checkout. I'm worried I'm only going to be getting 20% of the cost to fix the car and it's not even worth what it will cost to fix it. For example, if the Guest has their own personal auto policy, it will be primary over the Turo protection. Independent car rental companies around the world provide their own commercial rental insurance and get … The scope of PIP coverage varies by state. The third-party liability insurance coverage provided to Guests under the Liberty Mutual Policy is always secondary to any other applicable insurance the Guest may have. **Premier plan is available for trips in vehicles with a total market value of less than $25k. You’re protected by £20 million in liability insurance and each traveler is prescreened. The contractual limitation of liability included in the Standard and Minimum protection plans: The contractual limitation of liability included in the Premier, Standard, and Minimum protection plans: For the Premier, Standard, and Minimum plans, if the Guest or any of their approved secondary drivers violate the Terms of Service, engages in any Prohibited Uses or otherwise intentionally, recklessly, or with wanton disregard, misuse the car, the contractual limitation of liability is void and does not apply. If you book a trip with a Commercial Host, check the vehicle listing for any personal insurance requirements. * 24/7 support & … When damage is reported, the primary Guest will be charged a $500 damage deposit. Guests who book a trip with a protection plan do not need personal insurance coverage. This vehicle belongs to a Commercial Host, an independent car rental company.” You’ll also see the host’s name listed as the insurance provider for the trip. Hosts and Guests are bound by Turo’s election and agree to be bound by that election pursuant to the Terms of Service. Turo has either waived this coverage entirely or subscribed to the lowest limit allowable by state law. This coverage is active while they’re driving the booked vehicle during the booked trip. Guests can’t decline this coverage. UM/UIM coverage, when available, protects Guests and passengers from losses resulting from bodily injury caused by: a driver whose limits of liability have been exhausted, a driver whose insurer is insolvent while in the booked vehicle during the booked trip. You’ll know if you’re, because their vehicle description page will include a notice. Guests should consult the language of their policy or speak to their own insurance agent to understand what coverage might exist for physical damage under their own auto insurance policies during the period of the booked trip. We do not offer protection plans in the state of New York where Services aren’t available or for vehicles booked with Commercial Hosts. I had the 85 plan which means I had a $2,500 deductible. All three plans give you $1 million in liability insurance, plus physical damage protection for the value of … When a primary Guest books a vehicle on Turo, the primary Guest agrees that if any Physical Damage to the Vehicles occurs during the booked trip, the primary Guest will work with Turo to make a claim for coverage under any policy of insurance that applies to the loss. For example, if there’s Physical Damage to the Vehicle during the period of the booked trip, the primary Guest will be financially liable for the costs of repair, plus Related Costs. Under this plan, the primary Guest’s financial responsibility for damage to the Vehicle isn’t contractually limited at all. Subject to terms, conditions, and exclusions, the Liberty Mutual policy provides Guests with the following kinds of coverage.