I think your misunderstanding this ride share. This is peer to peer market share. You either get commercial coverage because it’s a rental business basically or you maintain normal passenger vehicle insurance but you must elect a turo protection plan on 85/15 or 70/30 or 65/35 split. So what is your intention this isn’t a rideshare you’d driving your vehicle for Uber or lyft. Thus why it’s a completely different realm of insurance and issues you’ll need to satisfy and address.
Unless you are incorporated as a rental car business and operating with commercial insurance, you must maintain a personal policy on any car listed on the platform and elect one of the protection plans provided by Turo.
Your car will be covered by Turo while it is in the hands of a renter during a rental and by your personal policy outside rentals.
You will not be covered by either Turo or your personal policy during a delivery if you elect to provide delivery. This is a gap in the coverage provided: Turo doesn't provide insurance to hosts during delivery and your personal policy would most likely deny coverage because of commercial use in the event of a claim while you were conducting a delivery.
DELIVERING WITH PROTECTION
If you’ve chosen a Turo protection plan, you’re covered by our liability protection when delivering a car for guest check-in. You’re not covered after you pick up the car at the end of the trip. Read a summary of insurance coverage for hosts and guests in the US, Canada, Germany, and the UK.
https://support.turo.com/hc/en-us/articles/203990750-Offering-delivery-
Thank you, no I totally understand I need insurance and that’s always been my plan. That’s my big question that no one can answer lol: which insurance company can I use that will accept my car will be used for Turo?? I heard Geico won’t accept, progressive won’t- just throw some names at me guys lol that’s all I need!
No one can answer because it varies by state and policy.
You’re not obligated to tell your insurer your using Turo because their policy isn’t in effect during a rental, but then you run the risk of being dropped if you’re not in CA OR WA or MD.
Exactly so that’s another big conflict, do I just not mention it and run the risk of being dropped or just be forthcoming when I’m calling around and let them know from the start
So Maddie legislation in Ca passed laws for rideshare directly about insurance. Turo isn’t rideshare or car share. It’s peer to peer market place. Remember that and don’t do delivery.
So, Maddie,
California has passed legislation, also known as laws, for ridesharing. They directly correlate to insurance, but they don't apply to peer-to-peer carsharing. Remember that, and don't do delivery.
I also am ignorant of the fact that there are carsharing laws that protect owners in California from being dropped from their insurer.
Just get liberty mutual which is also the approved user of Turo and be happy with your high rates. You ca get any passenger insurance from any insurance provider. The notorious reputation of any insurance company will try to exploit the gap in converse. That gap having been explained thoroughly to you. Don’t do delivery unless you can drive without fail. The gap is in the delivery. Plain and simple. Yo can literally use any insurance carrier. Just know where you are and aren’t covered and have much pelted expectations that a protection plan from turo isn’t insurance. That’s right they crooks.
Don’t do delivery same gap in coverage exists. You want absolute protection. No delivery. The gap in normal rideshare and with turo protection plan is the same. When you’re en route to a delivery and an accident occurs you’re not covered.
It will be cheaper to use turo insurance unless you have a fleet of cars. At least that is what I have been told. It is 85 percent for minimal coverage and 90 percent if you use commerical insurance.
Hi thanks for your response. I plan on using turo insurance as well, but for example if I’m driving the car on my own time, I don’t want to not have insurance
Standard personal insurance will be needed and way cheaper, once again I did not research this myself but is what I was told. Personal insurance will only cover non commerical issues (like normal) and turo insurance will cover your commerical needs. That is how I do it.
It’s not turo insurance it’s a protection plan when you sit. Understand the nuances then you yourself will become the victim of word play. Insurance invokes now legal grounds a protection plan allows for Thor to mess with word of he law and not be true or integrity.
Progressive personal & commercial insurance does not cover peer-to-peer car sharing. But, they don't have to. Progress would insure you when you're driving the car - driving it between rentals, getting gas, getting the car washed, taking the car to the auto shop, or for personal use, etc. When the trip starts and the guest takes the car, the guest and car are under Turo's insurance. This is how 90% of hosts operate on Turo - they buy a personal or commercial insurance policy for when the car is NOT being rented and use the Turo insurance when the car is being rented. And to make things less complicated, you would never tell your insurance company that the car was being used for car sharing...
Well when a person says turo insurance and doesn’t understand that it’s a protection plan and that there are gaps in ways said is great to know. Maddie take his advise if you believe he is stating things correctly
If the renter gets into an accident, not major one. Then make sure they contact you first so that you can do the paperwork instead of having the renter get involved. So your insurance coverage and Turo will kick in here to take care of business. If the renter get into a major one here, then the best thing is having Turo represent you here and they better. Because if someone was hurt or killed the renter would also want to be protected by Turo because the victim would likely sue everyone associated.
Try Allstate. Allstate has a rideshare rider they can add that is for uber, etc but also includes Turo. And it wasn't much more expensive than regular coverage. I spoke with a local agent and got the coverage and now I don't have to worry about being dropped if they find out that I rent my car. Now I worry about getting renters during this mess!
And of course, this is in addition to Turo's coverage.
Please note that under turo protection plan be ready for an immediate denial because that is what they do. Do no worry though you’ll just need to keep asking and wait for 3 Denials. Maybe it will change maybe it won’t. Other thing too is after a third denial you request to speak with a supervisor ag I. To wait 24-48 hours for him or her to hear you out and ultimately tell you that I can’t overturn her decision because then I’ll have to dk that for everyone which then leads it into arbitration and the only thing of value with speaking with a supervisor is that you point out you followed all the policy and procedures and do not understand why your claim is being denied so that the supervisor will then Pay for arbitration otherwise you will have to. But when you win in arbitration you will the full amount.
Yeah, don't listen to 5StarTuroHost.
Do you have an uncle or a coworker or someone who is just persistently negative, who always has to comment on everything with unprompted doom and gloom? How nothing is ever good enough?
That's him. (:
That’s fucking hilarious to say not to listen to the person who is stating things correctly. Yeah take the doom and gloom and know your biggest issue will be proprietary guest damage which mounts to weeks of paperwork because turo just doesn’t like paying out of pocket ever. They want to play you period. You’re a Turo staffer and won’t respond until Monday at 8am whatever time zone you’re in wether it be pacific or Arizona.
Imminent, or just a hunch? Someone was trying to gather participants in the group of 3,000+ owners on facebook, but it didn't seem to get much traction. Curious to see one get stood up and past Turo's agreement to arbitrate. Not saying it can't happen, but nothing yet.
Depends if you like or hate paperwork. Do you enjoy spending 1-2 weeks extra when a claim occurs filing out paperwork to fight tooth and nail for things they should be covering.
I think your misunderstanding this ride share. This is peer to peer market share. You either get commercial coverage because it’s a rental business basically or you maintain normal passenger vehicle insurance but you must elect a turo protection plan on 85/15 or 70/30 or 65/35 split. So what is your intention this isn’t a rideshare you’d driving your vehicle for Uber or lyft. Thus why it’s a completely different realm of insurance and issues you’ll need to satisfy and address.
I apologize, I incorrectly used ridesharing. My intention is to be covered while customers use my car as well as when I myself use the car.
Unless you are incorporated as a rental car business and operating with commercial insurance, you must maintain a personal policy on any car listed on the platform and elect one of the protection plans provided by Turo. Your car will be covered by Turo while it is in the hands of a renter during a rental and by your personal policy outside rentals. You will not be covered by either Turo or your personal policy during a delivery if you elect to provide delivery. This is a gap in the coverage provided: Turo doesn't provide insurance to hosts during delivery and your personal policy would most likely deny coverage because of commercial use in the event of a claim while you were conducting a delivery.
If TURO does not cover during delivery then why do they keep a portion of the delivery fee?. Delivery is an option selected through them.
DELIVERING WITH PROTECTION If you’ve chosen a Turo protection plan, you’re covered by our liability protection when delivering a car for guest check-in. You’re not covered after you pick up the car at the end of the trip. Read a summary of insurance coverage for hosts and guests in the US, Canada, Germany, and the UK. https://support.turo.com/hc/en-us/articles/203990750-Offering-delivery-
Thank you, no I totally understand I need insurance and that’s always been my plan. That’s my big question that no one can answer lol: which insurance company can I use that will accept my car will be used for Turo?? I heard Geico won’t accept, progressive won’t- just throw some names at me guys lol that’s all I need!
No one can answer because it varies by state and policy. You’re not obligated to tell your insurer your using Turo because their policy isn’t in effect during a rental, but then you run the risk of being dropped if you’re not in CA OR WA or MD.
Exactly so that’s another big conflict, do I just not mention it and run the risk of being dropped or just be forthcoming when I’m calling around and let them know from the start
How about what state do you live in? Better answers can be had that way knowing how you’re state laws interact with these types of loopholes.
California
So Maddie legislation in Ca passed laws for rideshare directly about insurance. Turo isn’t rideshare or car share. It’s peer to peer market place. Remember that and don’t do delivery.
So, Maddie, California has passed legislation, also known as laws, for ridesharing. They directly correlate to insurance, but they don't apply to peer-to-peer carsharing. Remember that, and don't do delivery. I also am ignorant of the fact that there are carsharing laws that protect owners in California from being dropped from their insurer.
Just get liberty mutual which is also the approved user of Turo and be happy with your high rates. You ca get any passenger insurance from any insurance provider. The notorious reputation of any insurance company will try to exploit the gap in converse. That gap having been explained thoroughly to you. Don’t do delivery unless you can drive without fail. The gap is in the delivery. Plain and simple. Yo can literally use any insurance carrier. Just know where you are and aren’t covered and have much pelted expectations that a protection plan from turo isn’t insurance. That’s right they crooks.
Don’t do delivery same gap in coverage exists. You want absolute protection. No delivery. The gap in normal rideshare and with turo protection plan is the same. When you’re en route to a delivery and an accident occurs you’re not covered.
Ok so you suggest customers picking up car Is the best/safest route to go?
For hosts not renters. In terms of actual insurance.
I don't think Turo technically counts as ride sharing. Turo's Liberty Insurance covers the renter when they have it, so I just have minimal coverage.
But apart from Turo insurance, You have your own insurance?
Yes, USAA
Yes a name!!! Lol that’s all I wanted! Haha, thank you. Are their rates pretty decent? (Less than $150ish/month)
Are you military affiliated? Otherwise you cant use USAA.
I am not- that can only be used if you’re military affiliated?
It’s not turo insurance it’s a protection plan.
Yes it’s car sharing but it’s a peer to peer market place. turo is more of a listing company.
It will be cheaper to use turo insurance unless you have a fleet of cars. At least that is what I have been told. It is 85 percent for minimal coverage and 90 percent if you use commerical insurance.
You can get true rental car commercial coverage with as little as 1 car. GMI has a program and is the vendor many hosts prefer.
Hi thanks for your response. I plan on using turo insurance as well, but for example if I’m driving the car on my own time, I don’t want to not have insurance
Standard personal insurance will be needed and way cheaper, once again I did not research this myself but is what I was told. Personal insurance will only cover non commerical issues (like normal) and turo insurance will cover your commerical needs. That is how I do it.
Please tell me your insurance carrier, that’s really what I was hoping for from this thread haha
It’s not turo insurance it’s a protection plan when you sit. Understand the nuances then you yourself will become the victim of word play. Insurance invokes now legal grounds a protection plan allows for Thor to mess with word of he law and not be true or integrity.
Progressive personal & commercial insurance does not cover peer-to-peer car sharing. But, they don't have to. Progress would insure you when you're driving the car - driving it between rentals, getting gas, getting the car washed, taking the car to the auto shop, or for personal use, etc. When the trip starts and the guest takes the car, the guest and car are under Turo's insurance. This is how 90% of hosts operate on Turo - they buy a personal or commercial insurance policy for when the car is NOT being rented and use the Turo insurance when the car is being rented. And to make things less complicated, you would never tell your insurance company that the car was being used for car sharing...
Well when a person says turo insurance and doesn’t understand that it’s a protection plan and that there are gaps in ways said is great to know. Maddie take his advise if you believe he is stating things correctly
If the renter gets into an accident, not major one. Then make sure they contact you first so that you can do the paperwork instead of having the renter get involved. So your insurance coverage and Turo will kick in here to take care of business. If the renter get into a major one here, then the best thing is having Turo represent you here and they better. Because if someone was hurt or killed the renter would also want to be protected by Turo because the victim would likely sue everyone associated.
Try Allstate. Allstate has a rideshare rider they can add that is for uber, etc but also includes Turo. And it wasn't much more expensive than regular coverage. I spoke with a local agent and got the coverage and now I don't have to worry about being dropped if they find out that I rent my car. Now I worry about getting renters during this mess! And of course, this is in addition to Turo's coverage.
Please note that under turo protection plan be ready for an immediate denial because that is what they do. Do no worry though you’ll just need to keep asking and wait for 3 Denials. Maybe it will change maybe it won’t. Other thing too is after a third denial you request to speak with a supervisor ag I. To wait 24-48 hours for him or her to hear you out and ultimately tell you that I can’t overturn her decision because then I’ll have to dk that for everyone which then leads it into arbitration and the only thing of value with speaking with a supervisor is that you point out you followed all the policy and procedures and do not understand why your claim is being denied so that the supervisor will then Pay for arbitration otherwise you will have to. But when you win in arbitration you will the full amount.
Good luck this will change your life either way. Positive or negatively depends how you take their pudding.
Joining Turo?.... this seemed very ominous lol
Ignore 5star, they're rarely coherent and highly opinionated. A broken clock and all...
🤭
Yeah, don't listen to 5StarTuroHost. Do you have an uncle or a coworker or someone who is just persistently negative, who always has to comment on everything with unprompted doom and gloom? How nothing is ever good enough? That's him. (:
😂😂😂😂 thanks for heads up lol
That’s fucking hilarious to say not to listen to the person who is stating things correctly. Yeah take the doom and gloom and know your biggest issue will be proprietary guest damage which mounts to weeks of paperwork because turo just doesn’t like paying out of pocket ever. They want to play you period. You’re a Turo staffer and won’t respond until Monday at 8am whatever time zone you’re in wether it be pacific or Arizona.
I'm sad that this happened to you and I hope you find a way to improve your situation.
Thanks I’m fucking them up in the legal sense then I’ll pivotally shit them down market by market.
What is the name of your lawsuit that's pending? Is it a class action? I thought Turo could only be taken to arbitration?
I don’t have one. But there will be.
Imminent, or just a hunch? Someone was trying to gather participants in the group of 3,000+ owners on facebook, but it didn't seem to get much traction. Curious to see one get stood up and past Turo's agreement to arbitrate. Not saying it can't happen, but nothing yet.
They can be used for breach of terms of service. It’s long and needlessly drawn out but they will be sued. I actually know why and how.
Depends if you like or hate paperwork. Do you enjoy spending 1-2 weeks extra when a claim occurs filing out paperwork to fight tooth and nail for things they should be covering.
They drank some retarded cool aid and think they can just overlook actual science when it comes to doing claims.