How Turo’s Insurance Works: Renters Fault Host Pays

[@GODSON5000]

Ok so I’ve spent the last few days researching this Turo business model looking at both the pros and cons of it. And I have heard more then a few stories where host say that have had there vehicle brought back damaged and that they found Turo almost always sided with the renters to avoid having to make the insurance payout. Now law of averages dictates that it’s not a matter of if but when and the degree of damages your vehicle will be subject too. How do you deal with those kinds of issues. And what are your personal experiences with Turo’s insurance payouts. I mean I can’t imagine paying them 40% of my take and when the time came and I needed them they would not take care of there business I think that would be a problem.

[@Bponyi]

I host my 2017 Subaru WRX and a customer returned it with the clutch burned out . Cost 4000 in repair and Turo only paid half. It’s funny how I had the 70% plan and Turo only paid me 1800 for the repair due to a hidden clutch repair. I think it’s a scam for Turo to charge for insurance to the host and to the renter.

[@andrerichards3920]

Similar experience, their damage assessment is is mess….even the supplement supplied by the body shop didn’t cover so I end up coming out of pocket to cover the difference. Best option, try to work it out with the guest first. I’ve had good and bad experience.

[@moa.3343]

1st mistake was renting a manual, even people who know how to drive stick are terrible at it sometimes

[@coreybryant7112]

The difference with Enterprise and Turo, Enterprise is self-insured and when an accident occurs they go after the renter if they declined their coverage. As a host we do not have the same capabilities.

[@alexrodriquez1327]

Does Turo go after the renter? If not, what is the point of the renter signing up for insurance?

[@adrenaline112]

Good point

[@sam10818]

As hosts I think our insurance company has to go after the renter which will only happen if hosts have their own insurance rather than turo insurance

[@Rednawp]

@@alexrodriquez1327 Yes. It's up to Turo if they wanna go after the renter or not.

[@beyondplanesight]

​@@alexrodriquez1327 If the damage is below the deductible of the renter and host, and the host files a damage claim with Turo, the host will pay out of pocket and Turo will profit by charging the guest's credit card for the cost of damages.

[@vtr-vegasteslarides569]

Renter killed both left tires and Rims on my Tesla Model 3. Those were the upgraded $2000 rims at Tesla Purchase. Got the car towed to Discount tire, but they dont have those matching rims. So Tesla would charge $2100 for 2 rims and tires incl all install. Turo 3 weeks later wants to only pay $1500 and asked me to negotiate the price down with Tesla? They only sell OEM wheels. How does the system work here? I mean with enough time I can get some cheap wheels from China to put on there. Why dont they pay what the shop asks for? This is not right.

[@beeda69]

You should take that to court as they are not following the host insurance policy that you have. Can you as a host not sue them for not following their own policy?

[@1219ess]

Am a renter, I decline insurance. I cause an accident. At time of accident I provide my state farm insurance that I currently have on my personal cars, I pay my deductible to fix the host car. Isn't it all good? I crashed, I pay... If someone crashes into me, wouldn't their insurance cover the host car? Why isn't it this simple?

[@jamescc2010]

Exactly. I will make sure and verify that all drivers have current full insurance coverage.

[@alexrodriquez1327]

Most insurance companies don't extend coverage to Turo because it is a car sharing program. So no coverage applies. However, I would say that liability coverage follows the driver, so that coverage will protect the 3rd party. Turo on the other hands has to cover the host. I heard State Farm may be an exception in that they will extend coverage to Turo.

[@DonTheGreat]

My renters insurance denied coverage because he rented the car for more than 30 days and I guess it’s in Heidi’s policy that any car had longer than we days needs to be on the policy!?!? So crazy

[@DonTheGreat]

Geico ***

[@DonTheGreat]

30 days **

[@laviniayale6255]

You never fail me girl! Thank you 🧡🧡

[@VjCClass]

I hear so many insurance agent friends talk about the possibility of loosing your home and other personal assets in a lawsuit from someone else driving your vehicle and getting into a bad accident injuring or killing someone. Why isn't anyone talking about this? What protections is there against this?

[@atmane3949]

I appreciate your videos. Just listed my first car.

[@allyshukuru2915]

How did it go man I want listed mine soon 🤦🏿

[@manijones4997]

Congrats bro

[@atmane3949]

@@allyshukuru2915 pretty good so far. Its been booked 4 times already. No issues. Hope it stays that way.

[@miguelcornejo3421]

11 months later. How has it been?

[@1InvisionProductions]

So why would a guest ever get insurance if the car is going to be covered by the host? Seems like Turo should at least collect a security deposit from the guest to cover the deductible.

[@richicano]

The funny thing is Turo will still collect the deductible from the renter and just pocket it.

[@zknight4481]

@@richicano how do they get a deductible if you decline insurance?

[@omarchaudhry3542]

That is the same question I'm asking

[@angelsantana3969]

That's a great point! I'd assume they don't do things that way to keep the money flowing other wise it might turn away some people. They don't have any assets at risk in these deals if they aren't providing insurance

[@CarlosGarcia-ij4yg]

NOBODY on here has ever explained this.

[@elfocker]

WAIT!!! I rented and damaged a turo car. I assumed responsibility and paid extra for the protection plan. So your saying the host is still getting screwed AND have to pay his deductible after I agree to pay for damages with MY insurance? WHAAAAT???

[@joelturopreneur6804]

I have resorted to the 60 plan because an average booking can be typically $200, and for higher deductible plans the out of pocket can be $250 or more. Therefore, there is a risk that I could lose out on my earnings for any given Trip. Nope, not me, I am not losing out on that money for what someone else did.

[@Takeiteazy89]

But then your losing out on 40% of every trip

[@adrenaline112]

@@Takeiteazy89 but it's worth it to avoid thousands in damage

[@jmcqueen1604]

@@adrenaline112 it’s really not worth it because the chances of an bad accident aren’t that high (in my experience) so losing out on 40% is insane. Barely making any money because Turo even takes 10% for any extras that you add.

[@adrenaline112]

@@jmcqueen1604 well I recently went through an experience where my car was damaged and the guest had a 3k deductible and was not trying to pay for it , after pleading with them they funded me the damages but if they had not, I would have been responsible for the damages , the most turo probably would've done is close their account

[@SeanPGribbons]

@@adrenaline112 why not carry 3rd party insurance like progressive Gieco etc?

[@Seedcadets]

Great video but one thing enterprise doesn’t carry any insurance on any of its cars. They are self insured. I know I worked for them for 2 years

[@ricksomething]

Can you turn the music down?

[@tsgtezzy]

How about when there’s damage to other peoples property, it gets reported to your license plate and your personal insurance will be notified, and it will show up on your personal insurance policy. You will take a hit, you could get your policy cancelled, your rates will go up, you can lose your license and or be arrested when your vehicle is involved in a crime. It all comes back to your license plates

[@hyperionsolomon8718]

Not a single :dislike:, all likes. Very cool, never seen that in my whole life.

[@largejon]

So as a first time renter can someone explain to me like this; sayI’m driving very carefully the whole trip God forbid someone rear ends me, and Im using the Turo coverage for the trip would I have to pay anything or would it just be me returning the car to the host and Turo and the host take care of it, or would it affect me in anyway at all espy if I’m not at fault

[@brandonkelly4682]

So what stops you from: 1) asking for proof of personal collision coverage from your guest ahead of time. 2) filing a claim with their insurance company

[@live2ridegsxr1000]

Or could you get the $250 deductible from your renter as a security deposit? Then if they mess up the car you keep that money to pay your share of the Turo deductible

[@jamescc2010]

@@live2ridegsxr1000 This will be hard to do to collect $250 upfront and risk losing out on a booking perhaps?

[@alexrodriquez1327]

@@live2ridegsxr1000 You can't do that because that would forfeit the claim.

[@richicano]

Your rental company analogy is not great because the rental companies will still go after a renter for repairs. Turo owners cannot do this. We get stuck paying as you stated.

[@alexrodriquez1327]

It seems that Turo owners and renters should make an agreement that takes Turo out of the equation in regards to their double dipping on auto insurance, like renter agree to pay deductible?

[@tianshengchen1265]

The protection plans make no sense to me if the host chose 85 plan and the guest decline protection. In that case if the host files a claim of $2500, the guest has to pay turo $2500 while the host doesn't get any penny of it because of the host has the 85 plan which is $2500 deductible. So the turo eats the whole money for the repair. It's also ironic that turo charges young driver fee using your cars and as hosts don't get any money from that

[@jmfiddie]

What kind of insurance do you carry for when your unit isn’t rented?

[@abdellahussien6666]

Now I understand how the Game work!!! Thanks

[@kstenterprise5567]

Thank you. All of your videos are valuable. What a service you are doing for people. I subscribed!

[@jesusmoreno760]

So how do incorporate your personal insurance with Turo. I am with Geico, and asked about Turo and they said they would cancel my coverage if I used this platform. Can you talk about this specific topic?

[@tmackie1694]

Wait. If ALL claims come from the Host’s policy no matter what, then WHY do Renter’s ever opt to take out insurance when they book?! I would really appreciate it if someone could explain this. Thanks 🙏🏻

[@osmstitch9559]

I feel your frustration! Insurance just feels like a scummy business. Here's an attempt to explain: Turo will use the Host's policy to fix the problem of the car as soon as possible. But Turo doesn't want to come completely out of pocket and they will recoup these fees from the Renter's policy. If the renter declines a policy then Turo will go to the renters personal policy (like Geico which they won't be liable for) and if that fails then they can sue the renter.

[@alalal123421]

@@osmstitch9559 so for me as a renter is it best to just put the rental on my personal insurance since im already paying for that or should i pay up for the full/standard protection. im also not trying to save a few bucks and potentially screw over someone hosting. will probably just go with standard but nervous about renting through turo tbh... should i also call my insurance on top of travelers/liberty mutual or whatever is provided through turo?

[@alexrodriquez1327]

@@osmstitch9559 I'm really curious if they really will sue the renter's knowing full well that the host has secured insurance. I doubt that would hold in court, when renter can allude this fact that it's not necessary for Turo to double dip.

[@jmcqueen1604]

@@alalal123421 Honestly, I wouldn’t get insurance through Turo unless your concern is an accident being reported to your personal insurance which can raise the premium price. As you mentioned, you already have insurance which would cover you so why pay extra money for more. As for calling both, you would only need to call one because you can’t be double insured for an accident. - Ex insurance agent Current Turo host lol

[@KUROBLK350]

How do you handle flat tires with the guest? Ive had problems with whose responsibility it is. Turo policy says guest is responsible if it's their negligence, but hard ti prove that

[@jerometruitt2731]

Idk why turo doesnt just hit the renters account for deductibles and other accident related issues like the rental companies do. Rented from Avis and they charged my account for the tow, and the days that they couldnt rent the car while it was out for repair.

[@alexrodriquez1327]

I think they can't because they are NOT a rental company, per se, as different laws apply to "car sharing".

[@m.p.3492]

If a vehicle is in an accident and a claim and repairs are completed, does it impact the host’s personal insurance policy? Will the host’s insurance raise? Will the host’s insurance company even be notified since Turo’s insurance is covering the damages?

[@Rizvi1Pro]

This needs to be answered

[@blurry599]

This is exactly what I am questioning as well. I have broadened collision on my car through State Farm, should we notify our insurance we are car sharing ?

[@Cami-sz3lv]

No because you are not using your personal insurance for repairs

[@Cami-sz3lv]

@@blurry599 no your rates will go through the roof

[@blurry599]

@@Cami-sz3lv Thankyou for the reply it makes sense

[@juliendupont5138]

Thank you much, I find your posts very informative and helpful - much appreciated!

[@saimahsexperience]

You're very welcome!

[@VegaGT500]

Loving these daily videos. Thank you

[@trking92]

I still have a lot of unanswered questions.

[@jamescc2010]

Do we have to inform and ask our personal existing car insurance when we buy a car to rent out on Turo? I guess many ins companies will not allow - so what do you do? Understand, we will only use Turo insurance to file claims. How about if there are deaths and injuries involved? I assume drivers / passengers on both sides have to file their own claims on their own insurance and fight it out who will pay not the host.

[@JamieReneeVonTeez]

I don’t understand how it’s ethical and/or legal for Turo to double dip?? They charge us hosts AND the renters for Insurence!! Also why should a host pay ANYTHING for damage caused by the renters?????? Your fault, YOU pay! Also why does Turo take a cut to cover gas, tolls, tickets, etc???

[@adammrich6222]

It’s not legal, I am on the 90% plan and I never pay I just go to my lawyer if the guest refuses to pay the 2500 and then slap them with a judgment to their private insurance. If we so pleased we could sue Turo for this, but I’m trying to to rock the boat, but it 100% not legal.

[@alexrodriquez1327]

@@adammrich6222 If Renter opts out is there anything in writing that says that Renter is responsible for the 2500? It justs sounds like a scare tactic to me. Renter can say they have personal insurance. If that personal insurance doesn't pay, then I'm curious what the courts would say.

[@adammrich6222]

@@alexrodriquez1327 it’s in the renters contract when they agree to rent on Turo. Turo has the right to personally sue them for the damages if the renter crashes the vehicle and does not have adequate insurance, however you are ALSO able to sue them for wages lost and expenses just like Turo. I do want to let you know Turo isn’t a fan of you sueing renters but I have done it twice now and won both times. There are some reason why Turo isn’t legal allowed to operate in the way the are. First they are not an insurance company they are a third party. Therefore your claim takes priority over there’s. Second if they would prevent you from sueing then Turo is now liable for all the damages. All Turo technically can do is ban you for breaking there terms of service they can’t prevent you from ever suing a renter. I do want to say my position is unique. My family owns a law firm and so I don’t pay for legal counsel. I am NOT lawyer I’m just summarizing the details. Turo doesn’t want to rock the boat otherwise they will end up getting banned in the whole country not just New York so don’t be to afraid to sue a renter. Turo is going to do it anyways to might as well do it in your terms.

[@adammrich6222]

If a renter has personal insurance it’s much easier you just call then and say “hey this renter crashed my car” then forward them the car sharing agreement. Then say fix it. It gets a little time consuming if they are at fault for crashing into someone cause technically you are also liable but that’s why you have the liability insurance provided by Turo. The liability insurance is travelers it’s not this weird wanna be insurance that Turo claims to be by the way

[@TheBdyer1122]

Quick question: is the host responsible for the deductible even if the renter isn’t at fault? How? Why would driver2’s insurance pay Turo instead of the car owner???

[@paulschaaf8880]

How does it work for repairs for mechanical problems rather than damage? Is the renter responsible for mechanical failures that weren't caused by them? In my case I rented a Turo and the battery ended up having to be replaced due to some strange electrical behavior (malfunctioning console display, door alarms when the doors were closed, etc). There was no damage so I'm torn between working out an option to pay part of the cost without involving Turo (which the host offered), or just going through Turo and trying to dispute the claim.

[@csemlag]

What if the renter not at fault.Will the other party's(who is at fault) insurance pay for repairs without using host's Turo insurance?

[@mariosagas]

What if I leave a full tank and they return the car with an empty tank ?

[@omarchaudhry3542]

Then what is the purpose of the renter getting premium or different levels of insurance? owners insurance is going to cover the accident. renters insurance doesn't cover the accident...my question is then what is the purpose of the renter getting insurance?

[@vickgankov]

Only the deductible changes, i don't think there's really any difference besides that.

[@omarchaudhry3542]

@@vickgankovbased on this video, the owners insurance is going to cover the accident. renters insurance doesn't cover the accident...my question is then what is the purpose of the renter getting insurance?

[@TruthWillPrevail1]

That’s exactly my question too, so basically Turo keeps Turo renters and Turo owners money! and when there’s a claim the Turo owners are the ones getting screwed.

[@omarchaudhry3542]

I'm hoping Saimah that you can please shed some light on this. Thx.

[@alexrodriquez1327]

@@omarchaudhry3542 Peace of mind for the renter, because car rental companies lay it on thick to scare the renter to purchase. There's a fool born every minute.

[@SandStormXII]

turo has changed alot in the last year since I used it

[@jayliu1572]

I have a question looks like no one ever asked! If guest's fault lead to another's medical bills goes over Turo's insurance ($750k). Will host get involved to pay the rest or part of the rest if the guest has nothing to pay?

[@joelbeltramelli898]

You are the only Kardashian I follow

[@alexrodriquez1327]

I was thinking the same thing!

[@SeanPGribbons]

I don’t understand why buy turo insurance when you could buy insurance for much less money from a third party insurer. Progressive is $60 full coverage with $1,000 deductible. If I have this insurance in place for $60 a month why would I take any turo insurance?

[@captx7063]

What about personal car insurance?

[@notyou3249]

if a renter has full coverage rental. doesn't that cover car rental?

[@jamescc2010]

It should. Ask and get their ins pictures / info and id before renting a car out to them.

[@jamesrobinson2017]

Who would dislike this? Great info. I just had my first guest accident, and came straight here for the 411. 👌🏾🏆

[@JordanCann]

Turo employees

[@NathanKwadade]

How did Turo handle the insurance claim?

[@IsmaelTruth]

How did it go?

[@MA-yf5jf]

When I’m financing/leasing a car for turo do I need to get insurance like from geico or any other insurance companies?

[@SucculentFever]

I was reading on Turo page that Turo is only responsible for liability. So whatever it happens to the other car/party. Iam confused, i have a 75% with a $250 deductible and I thought it was covering my car too

[@hannahmanager7646]

Ok I got it, but then if the guest gets the premium insurance what does that do or how does that benefit the host? Same question for and if they do not take out the insurance? If it doesn't matter either way what is the purpose of guest having the insurance?

[@kayodeotokiti2003]

What personal insurance do you suggest, as lula hasn't lunch in my state Maryland and I want to list my car on turo

[@thekingtruthshow]

We all have coverage personally as well so look at your insurance and the ones that are personally more expensive are a higher risk.

[@user-td4re7rt6b]

How long does it take for the Turo insurance kick in and how fast do you get the compensation check from Turo??

[@Elsanta666]

What if a rider puts degreaser in my engine or sand in my transmission will turo pay for mechanical damage

[@finnmcdaniel1576]

How do you keep insurance an your cars when they are not being rented out?

[@mrsroseblack9310]

You have regular insurance. TURO will not cover you driving.

[@eriksmith1077]

Great info! Thx!

[@toni3865]

So what happens if a rental have an accident and your car is a total loss. What does TURO do in that situation?

[@nsbil1]

Thank you Kim!

[@ddoucette]

I don't think Turo is doing anything different than regular car rental companies. Not that it is right or fair but I think it is the same. For decades, I travelled for work and I can tell you both domesticaly and internationally, Hertz always offered insurance to renters. My employer's guidance was always to decline this extra insurance.

[@JoseTorres-jf6xl]

Turo fineses both the host and the renter for insurance money

[@49ers5xchamps2]

Hello, I just had an issue on my first trip :(. So based on what you are saying since the damage is under my deduct I need to pay. The renters fees they paid is basically extra money Turo is making and has nothing to do with us? So do I confirm the damage or just let it go... Thats my main question should I even report the damage? The windshield was cracked on a GL63 AMG benz. I have a $2500 deduct. Not sure what a windshield will cost.Maybe i should just claim anyway?

[@David-iy6gh]

I love your content always so helpful

[@boogiedownbronx73]

I will be visiting the USA and have used Turo in the past. But the so-called insurance is not clear. Even Turo mentions it is not insurance. Since I do not have a car insurance in the USA...if I damage someones car who is then responsible? if i get hit by someone else?

[@alexrodriquez1327]

It's not insurance. It's a collection plate to donate your money.

[@nerybosque5051]

On a windshield chip due to a rock. Who is responsible ? Guest or host ? I purchased insurance with $500 deductible ?

[@davidpenas6781]

Hi Saimah, I have a question, you talked about damages in your (my) car, but what about the damages to third party , if the customer crashes another vehicle? Medical bills etc. Do I have to pay for example 25% of those bills ?

[@moa.3343]

No thats 100% the drivers responsibility

[@m.p.3492]

Are you in a state where you can claim dimensioned value claims when/if your car is in an accident?

[@sergiygnetov9378]

Please tell me if the driver of my car hits another car, who will repair the second car?

[@saimahsexperience]

It's covered through Turos liability insurance

[@timiakinnusotu5812]

so I still need regular insurance on my car on top of the Turo's insurance to start up? or can I just use the Turo insurance and not have the regular insurance. I live in RI where insurance is mandatory .

[@hoopztv7]

Thanks but what if your car is stolen or crashed by someone else who is not a renter? Is there still protection from that?

[@Drivetowin13]

As a new turo host I am wondering what the best non turo insurance is for your cars. I only have one right now but am planning for more. What are my best options for when my car/cars are not on turo. Currently I just added it to my normal policy but I feel like that may not be the best option.

[@CarlosGarcia-ij4yg]

Ok....so if they collect insurance from the renter do i get my deductible back???

[@reviewsbyHP]

It really should be simple that if a renter damages a car they simply pay for it. The host should never have an issue with that and the host should not have to pay for anything. Anytime I’ve ever had an issue as a Turo host gives me the option to charge the customer. I’ve never had to pay a deductible

[@huntgoodstuff]

Two questions. 1. Do you pay monthly for insurance or is the money paid by the agreed upon split? 2. Can I drive my own vehicle using the Turo insurance on days when the car isn’t rented?

[@miguelcornejo3421]

For the 2nd question, you still need a personal insurance for you.. Turo covers only for when the vehicle is being rented out (from what I know)

[@lofi2841]

Do I need personal insurance or can I just go through turo to cover my rental?

[@zymon.]

If I have Turo insurance, can I get rid of my normal insurance?

[@troy2227]

no

[@ejsmiley8382]

Good explanation

[@jbeaver1954]

Why would a guest even get insurance then? If they never have to pay for it and the host has to pay. That makes no sense at all

[@n0Drip]

Well explained thank you !

[@emral1vang]

If the renter drove the car into a store or another property and damages it, does Turo cover that part too?

[@SERGE_Tech]

yeah would be nice if they answered questions, they don't explicitly state how it works in plain English.

[@paulamillard5145]

I had a flat tire in a Turo rental. I declined insurance. The owner of the car charged me $400 for repair.

[@alexrodriquez1327]

Was that charged on your credit card and did you agree or sign off on the charge?

[@paulamillard5145]

@@alexrodriquez1327 Yes, he told me what the charge would be and sent the billl through Turo and I paid it.

[@alexrodriquez1327]

@@paulamillard5145 Did you volunteer to pay it or did they charge your credit card without your permission? I don't think legally they have grounds to charge you.

[@caragaga1689]

I don’t get it why doesn’t it come from the renter that what their insurance is for why couldn’t your get their insurance information and pursue the claim that way?

[@alexrodriquez1327]

Can't do that while "sharing" your car. Only possible for big commercial rental companies.

[@constantinosdemetral350]

Hi Saimah, I love your videos and they are extremely helpful! Thank you so much! When you are leasing a vehicle aren't you also required to have your own type of insurance in order to be able to lease? In other words aren't you required to have insurance to lease? Then going forward, when leasing that car, to further protect yourself it's advisable to use Turo's insurance of course. With that said it sounds like you must doubly insure your car, one with your own type of insurance (whether that's personal/commercial/fleet) and then two with Turo's insurance (Liberty Mutual). Is this correct? Or have I misunderstood ( I'm also Tx based)

[@idw85]

I wanna know too

[@ddoucette]

My personal car insurance has a section that states they "do not provide liability coverage... Of your covered auto while enrolled in a Personal Vehicle Sharing program." The section repeats for uninsured, under insured motorist and "damage to the vehicle" coverages. I believe this is saying there is a hand off between the two insurance policies (yours and Turo's or Uber etc.) depending on how the vehicle is being used. The devil is in the details.. since this is a contract (the ins. policy) the word "while" should be defined but isn't.. precision in language is key here. Is the vehicle covered by your insurance if listed but not rented that day? Is it for a whole day or just the hours until the keys are transferred? I'm just starting to look into Turo so this is a question I need to ask for both my insurance company and of Turo.

[@maxmarx2]

So even if it’s their fault and they bring in my vehicle with damage. I pay out of pocket deductible? Any way I can get my deductible tho from the renter?

[@alexrodriquez1327]

Nope - that's the cost of doing business. It seems that the renter is untouchable because can you imagine how a bunch of pissed off renters go viral, which can negatively impact Turo's business.

[@stumpsteph2153]

So Do I even need another insurance if I’m only using the car for Turo? Like if I have the full coverage Turo insurance, do I need to still get insurance from another company personal wise ?

[@jdub4154]

Same question thanks for asking already

[@lissettearencibia5852]

Turo insurance is only active when the car has been booked. If your car is sitting in your driveway or on the curb and another car loses control and hits it, Turo is not responsible as the accident did not happen under a booking. Therefore, it's good to have your own insurance should something happen when the car is not booked.

[@AltruHistic]

So why the hell do they ask guest if they want to get insurance if we as the host will have to end up dealing with it? Are they trying to double dip ? 🤔 I’m confused. Great video, I did not understand the insurance & liability despite my research. I think I just didn’t want to believe it lol. Thanks for clarifying

[@jamescc2010]

Agree. Maybe if a renter buys an ins option, host doesn't have to file claim just get a car fixed by the renter's option. Agree seem to be double dip.

[@alexrodriquez1327]

@@jamescc2010 I think Turo is looking for low hanging fruit, so let the renter buy insurance. Turo may threat to go after Renter, but I don't see this really happening, as Turo insures the host, so Renter can allude to this fact that Turo is responsible and should not try to pass this responsibility to the renter.

[@itzyaboikdo]

So if I am financing a car and the renter totals my vehicle, would the 70 plan cover me for a replacement vehicle after I pay the $250 deductible?

[@pandorahomegoods8845]

Funny how nobody has answered this question

[@hnapoleao]

My concern is with the liability, personal injury, in case the renter hit or kill some one, could you explain to me?

[@alexrodriquez1327]

Renter's personal auto insurance covers liability and personal injury; however, usually not collision.

[@rayxl19]

What to do if your insurance is investing a accident ?

[@richielivz]

Hey Saimah, what if a renter scratches a rim or tears a seat can I still ask the renter for $150 or whatever the repair cost is post trip? Has anyone tried this?

[@CyberTransport]

Search the TURO help section. You will find that wear and tear damage is defined.

[@samrochin6749]

Then what is the purpose of the renter getting premium or different levels of insurance?

[@omarchaudhry3542]

My exact question...I hope the she answers this question that everyone is asking

[@Reloadeez]

@@omarchaudhry3542 None

[@beeda69]

It's like any rental company. You have to take insurance, if you choose not to then you need to pay a very high deductible if you damage the car.

[@dlhenterprises7215]

What if you also had your own personal insurance as well as the 70/30 plan on turo

[@clayermel]

I believe TURO insurance acts secondary to your personal insurance. Learned from what I've seen watching other youtube creator videos, I do not have any cars listed yet.

[@alistaircollins8721]

Enterprise is self insured cause they are huge…. A small guy like me and you … I don’t know about Turos insurance anymore

[@thersanothersidetome]

Hi Saimah. Great Video. Quick question, when you refer to the damage repair cost of 1k or whatever amount, who determines that? Does Turo have an adjuster that comes out to check the damage or do we just go to a body shop to get a quote?

[@cristianvidal1390]

I believe it works the same as your own personal insurance company. Insurance companies will always send out an adjuster which it will appraise the values of the damages in about 80% accurate, so be prepared to receive less than the amount needed in order to fully repair your car. I am not on Turo however what I always do is, I drop off my cars to the ( branded dealership body shop) then they will contact the insurance so that the insurance sent an adjuster to the dealership directly. Insurance companies hate this procedure but that is legal. That secures me that my car will be out of the garage fully repaired no matter costs of the repairs.

[@Theworldisaplushplace]

Is the car covered under turo insurance if your car gets vandalized while parked at home?

[@TheTalentedco]

No. Turo only covers renters

[@johnnymel77]

Thanks for the video. What is the point of the renter getting insurance then? If a renter does get into an accidental do they have to pay anything?

[@richicano]

My understanding is they still have to pay the deductible on the insurance they choose. And that money goes into turos pocket since the owner still has to pay their own deductible

[@michaelanderson6514]

Basically, turo profits off the damages. Turo collects as much as possible from the guest and the guest insurances, and reimburses the host as little as possible.

[@omarchaudhry3542]

My exact same question

[@scorpiolord4787]

I appreciate the info it was very helpful. And you name is nice, my daughter name is A'miah. Again thank you..

[@miklwebb]

Enterprise does not have insurance on any of their cars.

[@come_explore_with_me_IL]

What's the point of renter taking out better insurance if the host is responsible for everything?

[@alexrodriquez1327]

because they're suckers...

[@GuillePozzi]

Except for flat tires

[@dylanfitch2997]

I'd be way more terrified of a host claiming some shit happened that didn't, after making them $400 already

[@goddessmamii]

Happened to me

[@dylanfitch2997]

@@goddessmamii shit that's why I took literally 125 pictures around, under, inside, outside, and close ups of the car. The dude was super cool though, and decided Turo fucked him out of money, as it is, so he had me Venmo him every day I used it after the trip was done

[@dylanfitch2997]

@@goddessmamii it's bullshit, especially if all they had to do was say "I think I smelled smoke", or, "there was a candy bar wrapper on the floor", and BAM insta bonus.

[@dchiffy]

Great vids. Thanks. Do you also charge for cleaning? Full tank?

[@mrsroseblack9310]

She does; I checked out her TURO profile.

[@ksimone6768]

Your the best 👌

[@Efootball1987]

Can I register on turo by using my company information and operate as personal host ?

[@mrstranger5893]

Yes