Turo Accident as Renter: Your Insurance Options

If you were driving a Turo rental when an accident occurred, understanding your insurance options is critical. Unlike traditional rentals with automatic coverage, Turo requires active selection of protection levels—and gaps can leave you personally liable.

Turo Protection Plans

Turo offers tiered protection for renters per III analysis:

• Premier: Highest coverage, lowest deductible ($0-$500)
• Standard: Moderate coverage, higher deductible ($3,000)
• Minimum: State minimums only, high deductible ($5,000+)
• Decline: No Turo coverage—you rely entirely on personal insurance

Does Your Personal Insurance Cover Turo?

Many personal auto policies exclude peer-to-peer rental use. Insurance industry data shows: most standard policies don't cover commercial rental activity, endorsements for rideshare/rental coverage exist but must be added, and declining Turo protection without checking your policy is risky.

Credit Card Coverage?

Some credit cards offer rental car coverage, but: many exclude peer-to-peer platforms like Turo, coverage often only applies to vehicle damage (not liability), and you must decline other coverage to trigger card benefits.

If You Caused the Accident

Your liability exposure depends on coverage: with Turo protection, claims go through Turo's insurer; without protection, the host or injured parties pursue you directly; and personal assets are at risk if coverage is insufficient.

If You Were the Victim

If another driver caused your accident while you drove a Turo: file against the at-fault driver's insurance, pursue your own UM/UIM coverage, and Turo's collision coverage may apply to vehicle damage.

Important Documentation

• Screenshot your Turo protection selection
• Photograph the vehicle before and after
• Get police report documenting all parties
• Preserve Turo booking confirmation
• Document the other driver's insurance info