Does USAA Cover Turo? Important Facts for Renters

USAA is a well-known insurer for military personnel and their families, but does it cover Turo rentals? Turo is a major peer-to-peer car-sharing platform that allows users to rent cars from individual owners. 

Turo rental insurance coverage can be confusing because standard auto policies don’t apply. In this article, we’ll answer the question ‘Does USAA cover Turo?’ and what renters and car owners should know before using the program.

What Is Turo and How Does It Work?

Turo is a collaborative car-sharing service in which people rent cars from personal car owners rather than the regular rental firms. It is similar to Airbnb but for cars, bringing people in need of a car together with those who would like to offer their vehicles for rent. Here is how Turo works:

• For Renters: Users browse through available cars on the Turo website or app, choose a car, and reserve it for some time. They can collect the car at a designated place or have it brought to them. Turo provides different insurance packages for renters.
• For Car Owners (Hosts): People can post their cars on Turo, choose rental rates, and receive bookings. Turo offers insurance coverage for hosts but owners need to review their own insurance policy to make sure they have sufficient coverage.

Turo is usually a less expensive and more convenient option than traditional rental companies, but insurance coverage can be complicated. Both renters and hosts must know their choices.

Does USAA Cover Turo Rentals?

No, USAA’s basic insurance policies do not include direct coverage for Turo rentals. Turo is regarded differently than regular rental car firms.

Key Reasons USAA Doesn’t Cover Turo Rentals

Some of the main reasons why USAA doesn’t cover for Turo are:

• Personal Auto Policies Exclude Car-Sharing: Most personal car insurance policies including USAA do not cover cars rented through car-sharing systems such as Turo.
• No Rental Car Coverage: USAA’s rental car coverage normally only covers rentals from selected providers such as Hert and Enterprise.
• Liability and Damage Concerns: As Turo cars are privately held, insurers such as USAA will not provide coverage for accidents or damage during the rental time.

Does USAA Auto Insurance Cover Turo Hosts?

No, USAA’s standard auto insurance policies don’t cover cars listed on peer-to-peer car-sharing platforms like Turo. Instead of looking for USAA Turo coverage, Turo hosts can opt for different protection plans provided by Turo such as:

60 Plan

Hosts receive 60% of the trip cost. This plan comes with up to $750,000 third-party liability insurance, Turo covers 100% of eligible damage expenses with no deductible. It comes with exterior wear and tear reimbursement.

75 Plan

Hosts receive 75% of the cost of the trip. It provides up to $750,000 in third-party liability insurance. Here, Turo covers 100% of covered damage expenses over a $250 deductible. This plan has a $30/day rental car reimbursement while being repaired.

80 Plan

Hosts receive 80% of the cost of the trip. This plan gives up to $750,000 third-party liability insurance where Turo covers 100% of eligible damage expenses over a $750 deductible. The plan excludes replacement vehicle reimbursement while repairing.

85 Plan 

In the 85 plan, hosts receive 85% of the cost of the trip. It covers up to $750,000 of third-party liability insurance and Turo covers 100% of eligible damage expenses over a $1,625 deductible. The plan comes with no reimbursement for a replacement vehicle while being repaired.

90 Plan

The final option is the 90 plan. Here, hosts receive 90% of the cost of the trip. This plan provides up to $750,000 of third-party liability insurance and Turo covers 100% of eligible damage expenses over a $2,500 deductible. It does not cover replacement vehicle reimbursement while being repaired.

Conclusion

Turo rentals and hosts are not completely covered by USAA’s car insurance policy. Turo is not covered by standard personal insurance policies. It should be noted that USAA does provide a rideshare endorsement although coverage for Turo is limited. 

Renters and hosts can look for Turo’s own protection plans or third-party insurance to ensure complete coverage. To avoid unexpected expenses or risks, always verify with USAA directly about your unique policy specifics before using Turo.

FAQs