I had the 85 plan which means I had a $2,500 deductible. Plus, those typically only cover damage to the rented vehicle. However, in West Virginia the insurance available on Turo will be primary while in Maryland the insurance available on Turo will be primary unless the Guest is using Turo for a replacement vehicle while the Guest’s own insured vehicle is repaired. This limits her financial responsibility to $3,000 out of pocket for amounts not covered by her own insurance. Primary Guests can contractually limit the amount that they’re legally obligated to pay out of their own pocket in the event there’s Physical Damage to the booked car that’s not covered, or fully covered, by the primary Guest’s own insurance. Turo has arranged its motor insurance with Allianz Insurance plc via Turo broker Aon UK Limited. Credit card rental insurancedefinitely does not cover Turo rentals, including AmEx’s Premium Car Rental Insurance. The Premium Package limits multiple accidents to … Unless you’re confident that your personal insurance will cover you, we strongly advise that you select a protection plan when booking your trip. Guests should consult the language of their policy or speak to their own insurance agent to determine whether a car booked on Turo is considered a “replacement vehicle” under the Guest’s policy. Turo provides 24/7 assistance to its car owners. Innovating auto insurance Turo has changed the economics of car ownership by allowing hosts to offset the cost of their vehicles, and, for many hosts, auto insurance is a significant portion of that cost. We do not offer protection plans in the state of New York where Services aren’t available or for vehicles booked with Commercial Hosts. Depending on the protection plan you select, liability coverage is up to $750,000 in the US. Guests can’t decline this coverage. Some insurance companies exclude coverage for peer -to-peer car sharing. Independent car rental companies around the world provide their own commercial rental insurance and get … UM/UIM coverage, when available, protects Guests and passengers from losses resulting from bodily injury caused by: a driver whose limits of liability have been exhausted, a driver whose insurer is insolvent while in the booked vehicle during the booked trip. One way Turo evaluates the reliability of potential guests is by looking at your insurance score, also called your credit-based insurance score. or otherwise intentionally, recklessly, or with wanton disregard, misuse the car, the contractual limitation of liability is void and does not apply. Liability coverage will not pay for loss or damage to the vehicle you book on Turo or your own injury or medical expenses. If you book a trip in the US, certain Canadian provinces, and the UK, you can choose a protection plan on Turo (unless you’re booking with a Commercial Host). If a Guest is insured under a policy of auto liability insurance issued in Maryland or in West Virginia that includes collision and/or comprehensive coverage for physical damage, the Guest’s collision coverage applies during the booked trip with the Vehicle. The scope of PIP coverage varies by state. This number is used by auto and home insurers to evaluate the strength of your credit and is based on your credit history. Jump to learn more about protection plans Tips to make your profile pop Guests who book a trip with a protection plan do not need personal insurance coverage. Turo Support Insurance & Claims Guests Guests Personal insurance requirements for guests Guest accidents, claims, and responsibilities | US Guest accidents, claims, and responsibilities Guest … If your Turo host (the person or business who owns the car) uses their own commercial insurance,your situation will … Liability coverage will not pay for loss or damage to the vehicle you book on Turo or your own injury or medical expenses. Hosts and Guests are bound by Turo’s election and agree to be bound by that election pursuant to the Terms of Service. If you do decline, you’ll be relying solely on your own applicable personal insurance coverage to cover loss or damage to the host’s vehicle. You can also contact us at support.turo.com. Under this plan, the primary Guest’s financial responsibility for damage to the Vehicle isn’t contractually limited at all. If the final damages plus all Related Costs, minus insurance collected, are below the deposit amount, or the claim is not covered, the difference will be refunded. If you do, your out-of-pocket exposure will extend to the full value of the vehicle and all related costs. The primary Guest is responsible to return the Vehicle on time and in essentially the same condition it was in when they first received it. The primary Guest is financially responsible regardless of who is found to be at fault for the damage. When damage is reported, the primary Guest will be charged a $500 damage deposit unless there was major damage (non drivable) to the Vehicle, in which case a $3,000 damage deposit will be charged. If you have an auto liability insurance policy, find out what your insurance covers when you’re driving a car booked through Turo. If you do have insurance, our liability insurance provider* will supplement your personal coverage. And your. Credit card companies don’t cover peer-to-peer car sharing reservations. covers third party bodily injury and third party property damage  resulting from an accident for which you’re liable. For the Premier, Standard, and Minimum plans, if the Guest or any of their approved secondary drivers violate the. When damage is reported, the primary Guest will be charged a $500 damage deposit unless there was major damage (non drivable) to the Vehicle, in which case a $3000 damage deposit will be charged. have insurance, our liability insurance provider* will supplement your personal coverage. The contractual limitation of liability included in the Standard and Minimum protection plans: The contractual limitation of liability included in the Premier, Standard, and Minimum protection plans: For the Premier, Standard, and Minimum plans, if the Guest or any of their approved secondary drivers violate the Terms of Service, engages in any Prohibited Uses or otherwise intentionally, recklessly, or with wanton disregard, misuse the car, the contractual limitation of liability is void and does not apply. Turo requires hosts (unless they’re covered by a commercial car insurance policy, which you probably aren’t) to choose and pay for a Premium, Standard or Basic insurance plan. But in … We also use it to refer to any Turo authorized secondary drivers. You may or may not need to have personal insurance to book with these hosts. You can also choose to decline a protection plan. 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