You dont need personal insurance coverage if you book a trip with a protection plan made available via Turo.

Does my car insurance cover a turo rental. Depending on the protection plan you select liability coverage is up to 750000 in the US. Turo does not consider itself a car rental agency. You have coverage for cars you rent from a car rental agency coverage for cars you borrow or own.

Do I Need to Buy Coverage. So I looked closely at my policy and found the following language. If you do have insurance our liability insurance provider will supplement your personal coverage.

For example your car insurance company might cover liability with your Turo rental but not accidents or physical damage. Do you need insurance to rent a car. No your standard personal car insurance policy does not extend to Turo.

The rental agency will offer you the choice of rental insurance when you book or when you. Car insurance policies written for personal use that is for everyday driving to work and other errands will probably never cover your vehicle while someone else is renting your car on Turo. Those policies are designed and priced to cover a private driver not a car driven by a new stranger every weekend.

Be sure to ask exactly what coverages extend to a Turo vehicle in many cases insurance providers may offer liability but not physical coverage for a rental car. If you have insurance coverage that covers you for rentals it may not cover you for borrowing a Turo car. In general the coverage you have from your primary auto insurance will cover a rental vehicle.

Guests who rent cars will need to have a personal car insurance policy as well but you can buy Turo liability insurance with higher coverage limits for the duration of your rental. How Does Insurance Work on Turo. Depending on the policy rental car insurance may cover damage to the vehicle damage or injuries that you cause your own injuries theft and loss of personal items.