You might be wondering if your insurance policy would cover you if you have a USAA auto insurance policy and are thinking about renting a car from Turo or renting out your own automobile on the platform. Car owners can hire out their vehicles through Turo, a peer-to-peer car-sharing service, but it can be challenging to find insurance coverage for such operations. Let's examine if Turo does usaa car insurance cover turo auto insurance and what you should know before you play.

USA's Stance on Turo Coverage

Vehicles hired out on Turo or comparable platforms are typically not covered by USAA auto insurance as of 2024. The majority of personal auto insurance policies, including those provided by USAA, do not cover vehicles used for business reasons, because renting a car through Turo is seen as a commercial activity. Since the vehicle was not being utilized for personal purposes at the time of the occurrence, USAA is likely to reject the claim if your automobile is damaged or involved in an accident while it is being rented out on Turo.

Turo’s Insurance Options

Thankfully, Turo provides both hosts (car owners) and guests (renters) with its own insurance plans. Turo offers a variety of protection plans with different levels of coverage that you may select from when you post your vehicle on the platform. These insurance cover physical damage protection, liability protection, and income loss compensation in the event that your vehicle is damaged. To make sure you have the appropriate amount of coverage, it's crucial to thoroughly go over the terms of Turo's insurance options.

What About Renting a Car on Turo?

Depending on the details of your policy, USAA might offer some coverage if you are renting a car through Turo. Rental car insurance is included by many USAA policies, but this usually only applies to conventional rental firms and not peer-to-peer car-sharing websites. It's a good idea to check with USAA directly to see if your policy will cover you before renting a car on Turo.

If peer-to-peer rentals are not covered by your personal auto insurance, Turo also provides insurance coverage for renters, which may provide you piece of mind.

Conclusion

In summary, since renting a car via does usaa car insurance cover turo is considered business use, USAA auto insurance typically does not cover it. Turo does, however, provide its own protection packages for both landlords and tenants. Examine Turo's insurance options and speak with USAA if you're renting a car through the platform to be sure you're properly covered.