Turo Protection Plans: All Your Coverage Questions Answered
Get the Coverage You Need for a Stress-Free Car Rental Experience: Learn About Turo Protection Plans
Turo is a unique car rental experience, but also comes with unique insurance coverage requirements. You need to be aware of the different kinds of coverages available in order to keep yourself safe and stress-free during your rental period.
Physical Damage contracts are one option, which include physical damage only – no interior or mechanical damage. As a guest, you’re responsible for any damage to the vehicle regardless of fault, and there are four protection plan options available. The Premier plan covers all physical damage with no deductible, while Standard and Minimum plans require you to pay up to $500/$3,000 out-of-pocket respectively. Lastly, the Decline Coverage plan requires a $500 deposit unless the rented vehicle is undrivable (in which case it’s $3,000).
Additionally, Liability coverage pays for bodily injury and property damage claims involving third parties up to policy limits (which vary by state). Non-commercial hosts have Personal Injury protection depending on whether their state requires it or not.
Keep in mind that this coverage is secondary – it only kicks in above and beyond your existing insurance policy. Before renting via Turo make sure to contact your insurance company as policies can differ when it comes to “car-sharing” being covered.
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