*Liability insurance covers third party bodily injury and third party property damage  resulting from an accident for which you’re liable. Personal auto insurance companies will charge people a deductible per event. Turo currently offers its owners and renters third-party liability insurance from Liberty Mutual, which Turo obtains from a policy through the Turo Insurance Agency, LLC. Every host plan comes standard with up to $750,0002 in third-party liability insurance from Liberty Mutual. For example, if the Guest has their own personal auto policy, it will be primary over the Turo protection. Note: In some states, the host’s policy may continue to provide coverage for Guests and passengers, even during the booked trip. Your earnings vary depending on the insurance plan you choose. Mechanical or Interior Damage. Below are links to quick summaries of our guest protection plans and to more-detailed plan information: Some hosts on Turo are Commercial Hosts. Turo is a marketplace built on trust and fueled by diversity and inclusion. Coverage provided is up to the minimum liability coverage required by state law. 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). If the Vehicle qualifies as a “replacement vehicle,” the Guest’s comprehensive physical damage coverage also applies. It’s best to check with your insurer or your broker before making your decision. 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. You can also choose to decline a protection plan. It’s read, “. Cost and fees include but are not limited to: claims processing costs and all similar or associated costs, minus any residual salvage value that’s collected. Check with your insurer before declining a protection plan on Turo. Guests who book a car with a protection plan. You’re protected by £20 million in liability insurance and each traveler is prescreened. Under the Premier plan, the primary Guest isn’t responsible for paying out of pocket costs for reported Physical Damage (other than eligible Mechanical or Interior Damage) to the Vehicle. Credit card companies don’t cover peer-to-peer car sharing reservations. 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. 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. Some insurance companies exclude coverage for peer -to-peer car sharing. Turo Insurance Agency doesn’t provide information or advice about the existence or scope of any coverage that might be available under the host’s policy during the booked trip. Unfortunately since it was for turo your personal insurance would only be supplemental to what turo wouldn’t cover. 651+ Turo Reviews and Complaints | Is Turo Legit or Sketchy? 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. , check the vehicle listing for any personal insurance requirements. 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. 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. Review the community guidelines and nondiscrimination policy for the full vision. The Premium Package limits multiple accidents to … One way Turo evaluates the reliability of potential guests is by looking at your insurance score, also called your credit-based insurance score. Please refer to the listing or contact the Commercial Host for information about any insurance or protection available to you, including any related fees. 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 $3,000 damage deposit will be charged. If the primary Guest selects the Premier plan (discussed below), the limits of the coverage provided under the Liberty Mutual Policy are increased to a combined single limit of $750,000 subject to the terms of the policy. We do not offer protection plans in the state of New York where Services aren’t available or for vehicles booked with Commercial Hosts. 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. The following options are not insurance but a contract which sets forth your level of responsibility for Physical Damage. 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. 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. 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. You’ll know if you’re, because their vehicle description page will include a notice. You may or may not need to have personal insurance to book with these hosts. Turo and Turo Insurance Agency don’t provide information or advice about the Guest’s own coverage. Don’t assume that your personal auto insurance policy or credit card coverage applies to person-to-person car sharing trip bookings in the same way it applies to traditional rental car bookings. Primary liability coverage up to $1,000,000; no protection for physical damage to your car. Primary Guests can protect themselves against an allegation that damage to the Vehicle occurred during the period of the booked trip.To do so, they should document with photos the condition of the Vehicle, including any existing damage, at the start of the booked trip. If you. Unlocking the car You’ll be able use Turo Go to locate your car anytime except during a trip — location data is disabled to honor guest privacy. 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 either waived this coverage entirely or subscribed to the lowest limit allowable by state law. Turo isn’t an insurance company. - Refers to the vehicle booked during the applicable reservation. Guest’s responsibility for damage to the vehicle. If you book a trip with a Commercial Host, check the vehicle listing for any personal insurance requirements. or otherwise intentionally, recklessly, or with wanton disregard, misuse the car, the contractual limitation of liability is void and does not apply. When Physical Damage is reported, the primary Guest won’t be financially obligated for the cost of the damage and will pay no deductible. Turo protection plans by region *Protection plans are available for guests in Alberta, British Columbia, Nova Scotia, Quebec, and Ontario. 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. Guest primary coverage vs excess coverage. These hosts offer their own commercial rental insurance directly to guests. Liability coverage will not pay for loss or damage to the vehicle you book on Turo or your own injury or medical expenses. And your. You can also choose to d. ecline a protection plan. The following options are not insurance but a contract which sets forth your level of responsibility for Physical Damage. All three plans give you $1 million in liability insurance, plus physical damage protection for the value of … It’s best to check with your insurer or your broker before making your decision. We make protection plans available to hosts and guests in the US. Guests can’t decline this coverage. 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. The scope of PIP coverage varies by state. - These include all costs and fees resulting from damage of any kind to the Vehicle during the booked trip. Primary Guests between the ages of 18-20 may select this plan. Guest accidents, claims, and responsibilities | US, Detailed explanation of host protection plans | US. *** Trips for which the trip price exceeds $250 have an 15% rate. 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. You’ll know if you’re  booking a trip with a Commercial Host because their vehicle description page will include a notice. Primary Guests may choose from four (4) options. Bodily injury and property damage to third parties: The Liberty Mutual Policy insures Guests who book with non-Commercial Hosts against liability to third parties for bodily injury and third party property damage resulting from the use of the booked vehicle during the booked trip. Turo screens each guest for suitability. And your credit card company will not provide coverage for a Turo trip. 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. Win more business by becoming a Commercial Host on Turo. Coverage is provided regardless of who was at fault. Liability coverage will not pay for loss or damage to the vehicle you book on Turo or your own injury or medical expenses. Hosts and guests are not required to have insurance protection through Turo, but all vehicles must carry some sort of insurance coverage — by way of Turo protection plans or independent policies provided by … 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. Don't assume your insurance or credit card company will cover your Turo trip. 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. 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. 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. Guests who book a trip with a protection plan do not need personal insurance coverage. You earn anywhere from 65% to 90% of the fee paid by the renter. will not provide coverage for a Turo trip. Or bring your own commercial rental insurance and take a bigger piece of the pie. Turo’s Premium insurance does have an advantage, though. This limits her financial responsibility to $3,000 out of pocket for amounts not covered by her own insurance. 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. Depending on the protection plan you select, liability coverage is up to $750,000 in the US. 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. 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. This coverage is active while they’re driving the booked vehicle during the booked trip. Turo provides 24/7 assistance to its car owners. Under the Minimum plan, the amount that the primary Guest is liable to pay out of their own pocket for Physical Damage (other than Mechanical or Interior Damage) to the Vehicle during the booked trip, plus Related Costs such as claims administrative fees and appraisal costs (and after exhaustion of any other applicable insurance), is contractually limited to $3,000. It’s up to $2 million in Canada, and up to £20 million in the UK. , even where they cover rental car trips. This insurance is available to all owners who operate in the U.S., UK, Germany, and certain provinces in Canada. For the Premier, Standard, and Minimum plans, if the Guest or any of their approved secondary drivers violate the. 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. Turo isn’t an insurance company. Turo: the company that lets you rent your personal car out for money. The primary Guest is responsible to return the Vehicle on time and in essentially the same condition it was in when they first received it. You can also contact us at support.turo.com. 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. Under the Standard plan, the amount that the primary Guest is liable to pay out of their own pocket for Physical Damage (other than Mechanical or Interior Damage) to the Vehicle during the booked trip, plus Related Costs such as claims administrative fees and appraisal costs (and after exhaustion of any other applicable insurance), is contractually limited to $500. 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. Turo isn’t an insurance company. Guests may be insured against Physical Damage to the Vehicle that occurs during the period of the booked trip under their own automobile policies. Turo insurance: Select a protection plan Auto insurance always comes into play when you’re driving a car, and Turo provides a few options for insurance coverage while you’re driving someone else’s car. They should upload the photos to Trip Photos at the start of the trip. Cost and fees include but are not limited to: 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”). When damage is reported, the primary Guest will be charged a $500 damage deposit. List for free, set your own prices and rules, and share confidently. Financial responsibility for physical damage to the Vehicle. 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). 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. Without an RF blocking pouch, the car may inadvertently become unlocked, compromising your car’s security. have insurance, our liability insurance provider* will supplement your personal coverage. 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). For instance, if your guest has a fender bender while driving your car and the eligible damage costs to your car is $750, and you chose the 70 plan, you’d be responsible for the first $250 of damages, and Turo would pick up the remaining $500. Independent car rental companies around the world provide their own commercial rental insurance and get … Will the insurance or coverage I have through my credit card cover my Turo trip. Claims processing costs vary but are typically up to $575 per claim. 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. I rented my 3 series out on turo. Guests should consult the language of their policy or speak to their own insurance agent to determine whether a car booked on Turo is considered a “replacement vehicle” under the Guest’s policy. It’s up to $2 million in Canada, and up to £20 million in the UK. Jump to learn more about protection plans Tips to make your profile pop The primary Guest is financially responsible regardless of who is found to be at fault for the damage. If you do have insurance, our liability insurance provider* will supplement your personal coverage. If the final damages plus all Related Costs, such as claims administrative fees and appraisal costs, , minus insurance collected, are below the deposit amount, or the claim is not covered, the difference will be refunded, ONLY apply to the amount the primary Guest is obligated to pay in excess of insurance that is available from the Guest and has been collected; and. Unless you’re confident that your personal insurance will cover you, we strongly advise that you select a protection plan when booking your trip. Guests who book a car with a protection plan do not need personal car insurance to use Turo. 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. We make protection plans available to hosts and guests in Canada through Intact Financial Corporation and Insurance Corporation of British Columbia (ICBC). Don't assume your insurance or credit card company will cover your Turo trip. Subject to terms, conditions, and exclusions, the Liberty Mutual policy provides Guests with the following kinds of coverage. Credit card rental insurancedefinitely does not cover Turo rentals, including AmEx’s Premium Car Rental Insurance. covers third party bodily injury and third party property damage  resulting from an accident for which you’re liable. Mary is a frequent guest with Turo in the US and always purchases the Minimum protection plan. Turo Support Insurance & Claims Guests Guests Personal insurance requirements for guests Guest accidents, claims, and responsibilities | US Guest accidents, claims, and responsibilities Guest … You can read about protection plans for guests in the US or Canada. If you do decline, you’ll be relying solely on your own applicable personal insurance coverage to cover loss or damage to the host’s vehicle. These hosts offer their own commercial rental insurance directly to guests. - Any damage to the vehicle, including Mechanical Damage and Interior Damage. If the Vehicle qualifies as a “replacement vehicle,” the Guest’s comprehensive physical damage coverage also applies. 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 has either waived this coverage entirely or subscribed to the lowest limit allowable by state law. If you have an auto liability insurance policy, find out what your insurance covers when you’re driving a car booked through Turo. '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. 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”). If you do, your out-of-pocket exposure will extend to the full value of the vehicle and all related costs. - Refers to the primary guest tied to the trip booking. I got as far as the checkout page and it just said "liberty mutual". If you do decline, you’ll be relying solely on your own applicable personal insurance coverage to cover loss or damage to the host’s vehicle. I tried to rent a car with Turo, but found the insurance situation too opaque and hard to understand. Related Costs- These include all costs and fees resulting from damage of any kind to the Vehicle during the booked trip. 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. Turo auto insurance coverage options: how does Turo insurance work? in the state of New York where Services aren’t available or. 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. Primary Guests between the ages of 18-20 may not select this plan. Some insurance companies exclude coverage for peer -to-peer car sharing. Get paid. Upon communication Under this plan, the primary Guest’s financial responsibility for damage to the Vehicle isn’t contractually limited at all. 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