Is Turo Covered By Car Insurance?

Car rental companies such as Turo offer a unique opportunity for those who need a car for a short period of time. It allows people to rent cars from private owners, often at a lower cost than traditional car rental companies. But, it is important to know whether the car is covered by car insurance. Is Turo covered by car insurance?

Turo Car Insurance

Turo offers two types of insurance coverage to protect both the renter and the owner. The first type of insurance is the Host Protection Insurance (HPI). This insurance covers the owner of the car in case of an accident or any other damage that may occur. The second type of insurance is the Turo Protection Plan (TPP). This insurance covers the renter in case of an accident or any other damage that may occur. The TPP also covers the cost of a rental car if the car is damaged.

Renter's Responsibility

It is important to note that the renter is responsible for any damage that may occur to the car while they are renting it. This is why it is important to read the rental agreement carefully and understand what is covered by the Turo Protection Plan. In addition, it is important to understand what is not covered by the TPP, such as damage to the car caused by the renter’s negligence. The renter should also understand the liability they are accepting when they sign the rental agreement.

Liability Insurance

It is also important to note that Turo does not provide liability insurance. Therefore, the renter must purchase their own liability insurance in order to be covered if they cause damage to another person or property. In addition, the renter must check with their own insurance company to make sure that the Turo rental is covered by their existing auto insurance policy.

Conclusion

Turo offers two types of insurance coverage to protect both the renter and the owner. The Host Protection Insurance covers the owner of the car, while the Turo Protection Plan covers the renter. However, it is important to remember that the renter is responsible for any damage that may occur to the car while they are renting it. In addition, the renter must purchase their own liability insurance in order to be covered if they cause damage to another person or property. Ultimately, understanding Turo’s insurance coverage is essential for ensuring that both the renter and the owner are adequately protected.