If you’re looking to rent a car, Turo is a popular choice for many people. It’s a peer-to-peer car rental service that connects car owners with people looking to rent a car. While Turo offers a variety of protections and insurance options, one question that often comes up is whether Turo covers damages to the car in case of an accident. In this article, we’ll explore the various insurance options available through Turo and whether they cover damages.
Understanding Turo’s Insurance Options
Turo offers several insurance options for renters and hosts. The insurance options available to you depend on where you rent the car from and your coverage level. Here are the insurance options that Turo offers:
Basic Insurance
Turo’s basic insurance is included in every rental and provides liability insurance for up to $1 million in damages. Liability insurance covers damages to other people’s property and bodily injury to others in the event of an accident.
Premium Insurance
If you want additional protection, you can opt for Turo’s premium insurance, which provides up to $750,000 in liability coverage and physical damage protection. Physical damage protection covers damages to the car you’re renting, up to the actual cash value of the car. Premium insurance also includes protection against theft or damage caused by a hit-and-run driver.
Premier Insurance
If you’re looking for even more coverage, Turo offers premier insurance, which provides up to $1 million in liability coverage and physical damage protection. Premier insurance also covers loss of use and diminution of value, which are additional fees that rental car companies may charge if the car is damaged.
Does Turo Cover Damages?
Now, let’s get to the question at hand: Does Turo cover damages? The short answer is that it depends on the insurance coverage you choose. If you opt for Turo’s basic insurance, it only provides liability coverage, so damages to the car you’re renting would not be covered.
However, if you choose Turo’s premium or premier insurance, damages to the car would be covered, up to the actual cash value of the car. It’s important to note that there may be a deductible that you would need to pay out of pocket before Turo’s insurance kicks in. The amount of the deductible varies depending on the coverage level you choose.
What Happens If You Damage a Turo Rental?
If you damage a Turo rental, first you should make sure everyone involved is safe and call the police if necessary. Then, contact Turo as soon as possible to report the damage. Turo will work with you and the car owner to resolve the issue.
If you have Turo’s premium or premier insurance, Turo will cover the cost of damages, up to the actual cash value of the car. You’ll need to pay the deductible, which can range from $500 to $3,000, depending on the coverage level you chose. If you only have Turo’s basic insurance, you’ll be responsible for the cost of repairs or replacement of the car.
Conclusion
Turo offers several insurance options for renters and hosts, and whether Turo covers damages depends on your chosen insurance coverage. If you opt for Turo’s basic insurance, damages to the car you’re renting would not be covered. However, if you choose Turo’s premium or premier insurance, damages to the car would be covered, up to the actual cash value of the car, with a deductible that you would need to pay out of pocket before Turo’s insurance kicks in.
If you do damage a Turo rental, it’s important to contact Turo as soon as possible to report the damage. Turo will work with you and the car owner to resolve the issue. It’s also essential to take photos of the car before and after your rental to document any pre-existing damage or new damage that occurs during your rental.