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Turo Insurance Claim Process: A Complete Guide

Car rentals have become increasingly popular in recent years, and Turo is leading the way in this industry. Turo is an online platform that connects car owners with people who want to rent a car. It is a fantastic way to make some extra money by renting out your car when you’re not using it.

However, like any other car rental service, accidents can happen, and that’s where Turo’s insurance comes in. In this article, we will guide you through the Turo insurance claim process in case of an accident or damage to your rental car.

Understanding Turo Insurance Coverage

Before we dive into the Turo insurance claim process, it’s essential to understand what Turo’s insurance covers. Turo offers three types of insurance coverage:

  1. Basic insurance: Turo’s basic insurance policy provides liability coverage up to the minimum state requirements. This coverage is mandatory for all Turo rentals.
  2. Standard insurance: Turo’s standard insurance policy offers liability coverage up to $1 million and physical damage protection to the vehicle up to the actual cash value of the car.
  3. Premium insurance: Turo’s premium insurance policy offers liability coverage up to $1 million and physical damage protection to the vehicle up to the car’s total value. Additionally, it provides coverage for loss of rental income and diminished value.

Turo’s insurance coverage is available to both car owners and renters, and the cost of insurance varies depending on the level of coverage selected.

Filing a Turo Insurance Claim

Now, let’s look at the steps when filing a Turo insurance claim.

  1. Contact Turo immediately: The first step in filing a Turo insurance claim is to contact Turo’s customer support team immediately. You can contact them via phone, email, or the Turo app. Ensure you provide all the details about the incident, including the date, time, location, and a detailed description.
  2. File a police report: If the accident involves injury or property damage, it’s essential to file a police report. The police report will provide official incident documentation and help speed up the claims process.
  3. Document the damage: Take pictures of the damage to the car from different angles. This will help provide visual evidence of the damage to Turo’s insurance team.
  4. Wait for Turo’s response: After submitting the claim, Turo’s insurance team will review the claim and determine if the insurance policy covers the incident. Once the claim is approved, Turo will contact you to discuss the next steps.
  5. Repair the vehicle: If the claim is approved, Turo will provide instructions on where to take the car for repairs. Turo works with certified repair shops to ensure the repairs are done correctly and to the highest standards.
  6. Pay your deductible: If the claim is approved, you will be responsible for paying the deductible, which varies depending on the level of coverage selected. Turo will deduct the deductible from the payout.
  7. Get paid: Turo will pay directly to the repair shop once the repairs are complete. If the car is a total loss, Turo will issue payment for the actual cash value.

Tips for a Smooth Turo Insurance Claim Process

  1. Be honest: Providing accurate and truthful information about the incident is essential. Providing false information could result in your claim being denied.
  2. Provide all necessary documentation: To speed up the claims process, ensure you provide all the required documentation, including the police report, photos of the damage, and any other relevant information.
  3. Follow instructions: Turo’s insurance team will provide instructions on where to take the car for repairs and how to proceed with the claims process. Following these instructions is vital to ensure the claims process goes smoothly.
  1. Keep track of expenses: If you are renting a car from Turo and are involved in an accident, keep track of all costs related to the incident. This includes rental car fees, towing fees, and other expenses incurred due to the accident. You may be able to claim these expenses as part of your insurance claim.
  2. Read the fine print: Ensure you understand the terms and conditions of Turo’s insurance policy before renting a car or filing a claim. This will help you know what is covered and what is not covered by the policy.


Filing a Turo insurance claim can be daunting, but it doesn’t have to be. By following the steps outlined in this guide and keeping these tips in mind, you can ensure the claims process goes smoothly. It’s important to remember that Turo’s insurance policy is designed to protect both car owners and renters. Understanding the policy lets you make the most of your Turo rental experience. So, the next time you rent a car through Turo, rest assured that Turo’s insurance coverage protects you.