When it comes to car insurance, it’s important to know what is covered and what is not. With the rise of car-sharing services like Turo, many people are wondering if their insurance policy covers them in case of an accident while using the service. If you’re a USAA customer, you may be wondering, “Does USAA car insurance cover Turo?” The answer is not so straightforward, but we’re here to help you understand your options.
Problem: Understanding Turo Insurance
Turo is a peer-to-peer car-sharing service that allows car owners to rent out their vehicles to others. While Turo offers its own insurance policy, many users wonder if their personal car insurance policy will cover them in case of an accident. This is where things can get a bit confusing.
Solving: What You Need to Know
USAA car insurance policies do not automatically cover Turo rentals. However, USAA does offer a product called “Ridesharing Gap Coverage” that can be added to your policy for an additional fee. This coverage is designed to fill in any gaps in coverage that may exist when using your personal vehicle for ride-sharing or car-sharing services like Turo.
What is Turo?
Turo is a peer-to-peer car-sharing service that allows car owners to rent out their vehicles to others. The service operates in over 5,500 cities and has over 14 million members worldwide.
What Insurance Options Does Turo Offer?
Turo offers three levels of insurance coverage for renters: Basic, Standard, and Premium. Basic coverage includes liability coverage up to the state minimum, while Standard and Premium coverage include higher liability limits and additional protection for the rented vehicle.
What Does USAA Ridesharing Gap Coverage Cover?
USAA Ridesharing Gap Coverage is designed to fill in any gaps in coverage that may exist when using your personal vehicle for ride-sharing or car-sharing services like Turo. The coverage includes:
- Up to $1 million in liability coverage
- Uninsured/underinsured motorist coverage
- Comprehensive and collision coverage
What is Not Covered by USAA Ridesharing Gap Coverage?
USAA Ridesharing Gap Coverage does not cover:
- Any damage to the rented vehicle that is not caused by a covered accident
- Any damage to your personal vehicle
- Any injuries you sustain while using the rented vehicle
How Much Does USAA Ridesharing Gap Coverage Cost?
The cost of USAA Ridesharing Gap Coverage varies based on your location and driving history. Contact USAA for a quote.
What Should I Do if I’m Involved in an Accident While Using Turo?
If you’re involved in an accident while using Turo, you should follow the same steps you would if you were driving your own car:
- Make sure everyone is safe and call 911 if anyone is injured
- Exchange insurance and contact information with the other driver(s)
- Take photos of the damage and the scene of the accident
- File a claim with Turo and/or your insurance company
Success Story
One USAA customer, who wished to remain anonymous, shared their experience using Turo with USAA Ridesharing Gap Coverage. “I needed to rent a car for a weekend trip and decided to use Turo for the first time. I added USAA Ridesharing Gap Coverage to my policy just in case. Luckily, I didn’t have any accidents, but it gave me peace of mind knowing I was covered if something did happen.”
FAQs
Does USAA car insurance cover Turo?
No, USAA car insurance policies do not automatically cover Turo rentals.
Can I add Turo coverage to my USAA car insurance policy?
Yes, USAA offers Ridesharing Gap Coverage that can be added to your policy for an additional fee.
What does USAA Ridesharing Gap Coverage cover?
USAA Ridesharing Gap Coverage is designed to fill in any gaps in coverage that may exist when using your personal vehicle for ride-sharing or car-sharing services like Turo. It includes up to $1 million in liability coverage, uninsured/underinsured motorist coverage, and comprehensive and collision coverage.
How much does USAA Ridesharing Gap Coverage cost?
The cost of USAA Ridesharing Gap Coverage varies based on your location and driving history. Contact USAA for a quote.
What should I do if I’m involved in an accident while using Turo?
If you’re involved in an accident while using Turo, you should follow the same steps you would if you were driving your own car. Make sure everyone is safe, exchange insurance and contact information, take photos of the damage, and file a claim with Turo and/or your insurance company.
What insurance options does Turo offer?
Turo offers three levels of insurance coverage for renters: Basic, Standard, and Premium. Basic coverage includes liability coverage up to the state minimum, while Standard and Premium coverage include higher liability limits and additional protection for the rented vehicle.
Is Turo a safe option for renting a car?
Turo takes several measures to ensure the safety of its users, including driver and vehicle screening, insurance coverage, and 24/7 customer support. However, as with any car rental service, accidents can happen. It’s important to read and understand the terms and conditions of any rental before agreeing to it.
Tips
If you’re planning to use Turo, make sure to read and understand the terms and conditions of your rental. Consider adding USAA Ridesharing Gap Coverage to your policy for added peace of mind. And always follow safe driving practices to avoid accidents.
Summary
USAA car insurance does not automatically cover Turo rentals, but USAA Ridesharing Gap Coverage can be added to your policy for an additional fee. This coverage is designed to fill in any gaps in coverage that may exist when using your personal vehicle for ride-sharing or car-sharing services. If you’re planning to use Turo, make sure to read and understand the terms and conditions of your rental, and consider adding USAA Ridesharing Gap Coverage to your policy for added peace of mind.
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