Skip to content

What Happens If You Scratch a Turo Car?

Are you planning on renting a car on Turo for your next trip? While Turo can be a great alternative to traditional car rental companies, you may wonder what happens if you scratch the car. In this article, we will explore what to expect if you scratch a Turo car and provide tips on avoiding this situation.

Understanding Turo’s Insurance Policy

When you rent a car on Turo, you can purchase Turo’s insurance or use your car insurance. If you choose to use Turo’s insurance, you will be covered for physical damage up to the car’s actual cash value, with a deductible ranging from $500 to $3,000. However, if you scratch the car, you will still be responsible for paying the deductible.

Assessing the Damage

If you scratch a Turo car, the first thing you should do is assess the damage. Take pictures of the scratch from different angles and document the location and size of the scratch. This information will be useful when you file a claim with Turo.

Filing a Damage Claim with Turo

To file a damage claim with Turo, log in to your account and navigate to the “Trip Details” page. Click on “Report an Issue” and select “Damage” as the issue. Provide a detailed description of the damage and upload the pictures you took earlier.

Once Turo receives your damage claim, they will assess the damage and estimate the repair costs. If the repair costs are less than your deductible, you will be responsible for paying the entire cost of the repairs. Turo’s insurance will cover the difference if the repair costs exceed your deductible.

Avoiding Scratches on a Turo Car

To avoid scratching a Turo car, here are some tips to keep in mind:

  • Be mindful of your surroundings when parking and driving
  • Avoid parking in tight spaces or areas with potential hazards
  • Be careful when opening doors and loading luggage
  • Avoid driving on rough or unpaved roads


Scratching a Turo car can be a stressful experience, but understanding Turo’s insurance policy and taking the appropriate steps can help ease the process. You can avoid scratches on a Turo car by being mindful and taking precautions.


  1. Can I use my own insurance instead of Turo’s insurance?
  • Yes, you can use your own personal car insurance when renting a car on Turo.
  1. How much is the deductible for Turo’s insurance?
  • The deductible for Turo’s insurance ranges from $500 to $3,000.
  1. What happens if the repair costs exceed my deductible?
  • Turo’s insurance will cover the difference if the repair costs exceed your deductible.
  1. How long does it take to process a damage claim with Turo?
  • It can take up to 10 business days for Turo to assess the damage and provide an estimate of the repair costs.
  1. Can I rent a Turo car if I have a history of scratches or accidents?
  • Turo may deny your rental request if you have a history of scratches or accidents.