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Turo Third-Party Automobile Liability Insurance

turo insurance coverage

Turo third-party auto liability insurance is purchased through Turo and includes coverage for renters/guests under a third-party automobile liability insurance policy purchased from Liberty Surplus Lines, a Liberty Mutual Group company Said Liberty Mutual Policy provides guests with insurance coverage while they are driving the rented vehicle during the booked trip. The following covers information regarding Turo’s California peer-to-peer car rental insurance coverage.

Turo’s Insurance Coverage for Bodily Injury and Property Damage to Third Parties

According to the Turo website, Turo’s insurance coverage for bodily injury and property damage to 3rd parties is as follows:

  • Bodily injury and property damage to third parties:
    • The Liberty Mutual Policy insures guests against liability to third-parties for bodily injury and property damage resulting from the use of the booked vehicle during the booked trip, up to the minimum liability coverage required by state law. This coverage cannot be declined. Note, however, that it does not apply to vehicles that are booked on Turo from a Commercial Host.
    • If the renter of the vehicle selects the Supreme or Premium plan, the limits of the coverage provided under the Liberty Mutual Policy are increased to a combined single limit of $1,000,000.

Turo’s Uninsured or Underinsured Motorist (“UM/UIM”) Insurance Coverage

According to the Turo website, Turo’s insurance uninsured or underinsured Motorist (“UM/UIM”) insurance coverage is as follows:

  • The Liberty Mutual Policy includes the statutory minimum amount of UM/UIM coverage in those few states where UM/UIM coverage is required by law and cannot be waived.  
  • UM/UIM coverage, when available, protects guests and passengers from losses resulting from bodily injury caused by an uninsured driver, hit and run driver, a driver whose limits of liability have been exhausted, or a driver whose insurer is insolvent while in the booked vehicle during the booked trip.  
  • Turo has either waived this coverage entirely or subscribed to the lowest limit allowable by state law.  Hosts and guests are bound by Turo’s election and, in addition, agree to be bound by that election pursuant to the Terms of Service.  

Physical Damage to Shared Vehicle Using Turo

Protection plans made available by Turo also address the renters liability for any damage to the booked vehicle which may occur during the booked trip.

Turo Renters Responsible for Physical Damages of Booked Vehicle

The person who rents out a car using Turo is responsible to return the booked vehicle on time and in the same condition as when they first received it. The renter is held financially responsible for all physical damage to the booked vehicle, as well as related costs, if any. If, for instance, there is physical damage to the booked vehicle during the period of the booked trip, the renter will be legally liable for the costs of repair, plus related costs, if any. If there is physical damage to the rented vehicle and the cost of repair exceeds 75% of the actual cash value of the vehicle, the renter will be legally liable for the actual cash value of the booked vehicle, plus related costs, minus the salvage value, if any.

Los Angeles Turo Accident and Insurance Lawyer

If you were involved in an peer-to-peer sharing auto accident in California we invite you to hire our dedicated Los Angeles Turo accident and insurance lawyer today. Our skilled accident attorneys leverage their considerable experience into obtaining significant settlements from insurance companies who are known for being reluctant to pay out on claims. You can rely on our experienced lawyer to carefully analyze the facts of your case to prove the facts necessary. To schedule a free consultation with one of our peer-to-peer sharing app lawyers, call Kaass law today at (310) 943-1171 or send us an email through our online appointment form.

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