As a leading car insurance provider, Progressive offers a variety of coverage options for drivers. With the rise of car-sharing platforms like Turo, many drivers are wondering whether their Progressive insurance policy will extend to cover Turo rentals. In this article, we’ll explore the answer to this question in detail.
What is Turo?
Turo is an online platform that allows car owners to rent their personal vehicles to other drivers. It’s often referred to as the “Airbnb of cars” as it offers an alternative to traditional car rental services.
Turo covers its vehicles with a $1 million insurance policy, but this coverage only applies to accidents or damages during a Turo rental period. In other words, Turo insurance won’t cover an accident while the car is not being rented.
So, Does Progressive Cover Turo Rentals?
The answer to this question is “it depends.” Progressive’s insurance policies are designed to cover accidents that occur while driving a personal vehicle. However, the situation can become a bit more complicated when it comes to Turo rentals.
Here are a few things to consider when trying to determine whether Progressive will cover a Turo rental:
- Personal Auto Insurance Policy: If you have a personal auto insurance policy with Progressive, it will likely provide coverage for accidents while driving a Turo rental car. However, this coverage may only apply if you have the right coverage options included in your policy.
- Turo’s Insurance Coverage: Turo provides a $1 million insurance policy for its vehicles, but this policy only covers accidents during a Turo rental period. Turo’s insurance policy will be the primary coverage if you’re in an accident while driving a Turo rental car. However, if you have a personal auto insurance policy with Progressive, it may provide secondary coverage for the accident.
- Location: The laws and regulations surrounding car insurance and car-sharing platforms can vary by location. In some states, insurance companies are required to cover Turo rentals, while in others, Turo’s insurance policy is the only coverage that applies. It’s essential to check with your Progressive agent to see what coverage options are available in your state.
- Type of Coverage: Progressive offers a variety of coverage options, including liability coverage, collision coverage, and comprehensive coverage. The type of coverage you have will determine whether Progressive will provide coverage for a Turo rental.
In conclusion, whether Progressive will cover a Turo rental depends on several factors, including your personal auto insurance policy, Turo’s insurance coverage, your location, and the type of coverage you have. To ensure that you have the right coverage, it’s always a good idea to speak with your Progressive agent before renting a car on Turo.
In conclusion, while Progressive may provide coverage for Turo rentals in some circumstances, it’s important to understand the limitations and requirements of your policy. Before renting a car on Turo, review your insurance coverage and speak with a Progressive agent to ensure that you have the right coverage.