Turo premium insurance reddit. Third-party liability coverage: Up to $750,000.

• Turo premium insurance reddit Anyway, 6700 in damages, turo paid the owner of the rental right away, then came after us for the 6700our own insurance covered it and paid Turo less our $500 deductible and turos 150 fee on top of it all. Turo's coverage policy is secondary and only comes in to play if your personal insurance declines to cover or your coverage limit is reached, that's why you "paid extra". Along with damage, imagine if you cause injury or death to others. I'm talking about 1/2 the cost and that's including the Turo standard insurance. FYI, most insurance companies do not cover you when you are renting somebody else’s vehicle on Turo. No. Keep that in mind if you wish to rent a vehicle that is much more expensive than yours. It's even less likely that it provides liability coverage for injuries or damage you may cause to other people or their property. I always purchase the premium policy from Amex before I rent a car. Get the Reddit app Scan this QR code to download the app now Since you have ABI insurance, which Turo Vehicle Protection plan do you use? 60-75-80-85-90? Reply The claim is processed through your personal insurance first, you have no choice in this because you agreed to it when you booked the rental. I've worked for turo claims and am a licensed insurance employee for 6 years, don't listen to these other misleading comments on here. If i do not have my own car insurance, who is responsible for damage to another vehicle in the event of a collision? I asked Turo but they keep giving me the same copy pasta from their ‘protection’ plan agreement. Credit card rental insurance definitely does not cover Turo rentals, including AmEx’s Premium Car Rental Insurance. They even sent me an email saying that incase someone does try to collect directly from me. We also use it to refer to any Turo authorized secondary drivers. Dec 11, 2024 · When renting a vehicle through Turo, understanding the available protection plans is essential for managing risk and ensuring a smooth rental experience. 27, which covers damage to a private passenger vehicle, trailer or camping trailer that is not owned by the named insured or anyone whose domicile is the same as that of the named insured. I also have state farm and confirmed turo is covered as long as there is a rental agreement. You also don't have liability insurance. They both have their pros and cons but Turo isn’t a cheaper option as it once was. The automobile insurance contract to which this certificate applies includes civil liability coverage and Q. I know you need personal insurance as well as insurance through turo. I understand the insurance is kind of dodgy. The plan you’re on gives Turo 20% and in return Turo is protecting your financial expenses over $750. Premium. These coverages are subject to the terms Call your agent to see if your current insurance plan will cover you for a Turo rental and how much coverage you will have. Jun 17, 2021 · It's very unlikely that your credit card company provides coverage for damage to a car booked through Turo. #1 I have to have my own insurance on the vehicle #2 I have to have turo's protection plan But what is turo's protection plan? I'm assuming the turo protection plan is not insurance. Turo does not involve the host's vehicle insurance in the claims process. Yes no point in turo insurance. They offer a vehicle protection plan, the rough equivalent of a collision damage waiver, which is not automotive insurance and includes liability insurance underwritten by Travelers. The protection plans are not insurance and Turo makes it clear in ToS for both guests and hosts. I plan to purchase the premier plan and when I called customer care to understand what I'm on the hook for in case of an accident I was told "it is secondary to your own plan, but you have the option to ask turo to cover any physical damage Hey! Renting my first Turo vehicle in december. For me, it was WAY cheaper to rent from Turo than a rental company for my Hawaii rental. The problem with Turo “fake insurance” is that the host always can take you to the small court suing you requesting their “host deductible” amount, and Turo has no responsibility on that as they played their part paying partially your damage as guest. F. Turo, the “Services,” does not provide insurance in any form. Yes, if you buy Turo insurance when you are covered by your own insurance you’ve overpaid. E. That's because Turo is not a rental car company. My advice is to work with the host, take responsibility and hopefully he'll work with you to have a reasonable repair bill. They’re protecting YOU financially, not your vehicle. If you read the fine print then you'll see that it will file a claim against your primary insurance, and that Turo will only pay if there's any excess costs. FYI there is no loss protection on turo from state farm r/Amex is the place for American Express cardholders to connect, share tips, and discuss everything related to their premium card benefits. The protection/Insurance Turo sells you doesn't protect you if there's damage to the car. Otherwise turo offers various insurance options, and if you have personal car insurance, that might cover the costs. I am currently with USAA, and being a young male, and living in the city of Atlanta, my insurance is $250 a month on my personal vehicle. My insurance says they don't cover turo rentals and I would need to buy insurance from Turo directly. Jun 23, 2021 · Turo’s Premium Insurance Plan This plan covers physical exterior damage—not mechanical or interior damage—to the car up to its actual cash value plus liability coverage up to $1,000,000 for bodily injury and property damage to third parties. In other words, Turo operates as secondary insurance. Even if you did buy turo protecti9n thier TOS states that they will still try to go through your (renter) personal insurance should something happen to the vehicle. If someone gets in an accident while renting the car . Cost: 65% of trip price. . Turo was really hard to deal with though. For some irrational reasons, I'm still fearful of declining the plan I've never rented a car before and it stresses me more than it should. As an example the health insurance premiums you pay from birth to 50 years invested in the sp500 comes out to over $1 million. Terms to know Guest - Refers to the primary guest tied to the trip booking. I've asked my personal insurance if renting a car via Turo was part of my protection plan and yes, everything is in order. From my understanding, personal car insurance is primary, but what happens if I get Turo Premium Coverage and my personal car insurance doesn't have a collision/comprehensive coverage? That's the issue with Turo, your personal auto insurance typically means nothing. then I file a claim with the "protection plan"? You don't need to buy any insurance outside of turo to be covered for a turo rental if you purchase one of the protection plans. They then file a claim with the renter's personal insurance for compensation of the amount they already paid the host (subrogation). Whether you're looking to maximize your rewards, navigate travel perks, or get the most out of exclusive experiences, this subreddit is your go-to resource. Even our insurance company couldn't talk to anyone for months. Turo has their own insurance and you wouldn’t need to use a credit card insurance like a traditional car company. Update: I was finally able to get ahold of someone from Turo, they informed me that I did buy the premium insurance so anything my insurance doesn’t pay for Turo will cover and I won’t be responsible for any payments to anyone. During peak season both Turo and traditional rentals seem to be the same price. Third-party liability coverage: Up to $750,000. Their insurance paid for $5k, since they had only paid premiums for the California state minimum coverage (which is $5k). In the event of damage, Turo pays the owner the amount required to bring the vehicle back to the condition it was at the start of the rental. I was wondering for turo hosts out there, where can I get some good insurance rates for my PERSONAL insurance on a turo car. Deductible: $0. Turo's prices are set by the individual so if it's more expensive, it might be due to several other factors. If I were in a situation where I had liability only coverage instead of full coverage, I would’ve most likely had to sue the at fault driver for the remaining balance, or cover the difference myself. its insurance renamed as a "protection plan" . Just notify Amex and they will take care of it. Vehicles worth more than $25,000 (plus Deluxe and Super Deluxe vehicles) are no longer eligible for the Premier (formerly Premium) insurance (which has a liability maximum of $1 million). Minimum $14/day. Sometimes is better, if you have your own insurance, go through there instead Turo. My understanding is that supposedly Turo will use my personal insurance to cover the cost of an accident. Credit cards . Protection plans made available on Turo to guests include liability insurance and a contract that sets forth your level of responsibility for Physical Damage If you purchase the premium plan for a rental it is primary insurance so you don’t even need to go to your own car insurance company first. Your insurance will typically extend to a rental but only if the rental is of a similar value (damaged value) to your personal vehicle. As opposed to conventional auto insurance home owners insurance or worst of all life insurance where their overhead and profit margins are enormous. Jun 9, 2022 · Here’s what you need to know about Turo insurance. ovvqzkd gbu tiaow wrfjfp fypfxeuv bpqfaoy wgl pzh lyja edaslebdf nhqhan cntkxdi gqu mzmypa dwypv