Turo is a peer-to-peer car-sharing platform that allows car owners to rent out their vehicles to other people. If you’re planning to rent a car on Turo, you may be wondering if your USAA auto insurance policy will cover you. In this blog post, we’ll explore whether USAA covers Turo rentals and what you need to know before renting a car on Turo.
Does USAA Cover Turo Rentals?
The short answer is yes, USAA does cover Turo rentals. If you have a USAA auto policy, it will cover your Turo rentals. However, there are some important things to keep in mind.
First, USAA insurance does not cover Turo rentals for commercial purposes or rental periods exceeding 30 days. Additionally, any damage caused by a renter not authorized to use the vehicle is not covered.
It’s also worth noting that if you use a credit card to pay for the rental, your credit card provider may include coverage. Rental agencies may offer coverage as well. Contact your credit card provider or rental agency to find out more about their coverage options.
What You Need to Know Before Renting a Car on Turo
Before renting a car on Turo, there are some important things you need to know:
Insurance Coverage
Make sure you have adequate insurance coverage for the rental. If you have a USAA auto policy, it will cover your Turo rental. However, if you don’t have an auto policy with USAA, you may need to purchase additional insurance coverage.
Vehicle Inspection
Inspect the vehicle thoroughly before renting it. Take photos of any existing damage and report it to the owner. This will help protect you from being held responsible for damage that was already there.
Mileage Limits
Be aware of any mileage limits on the rental. Some owners may have restrictions on how many miles you can drive the vehicle.
Fuel Policy
Understand the fuel policy for the rental. Some owners require you to return the vehicle with a full tank of gas, while others may charge you for the gas you use.
Final Note
USAA does cover Turo rentals, but there are some important things to keep in mind. Make sure you have adequate insurance coverage, inspect the vehicle thoroughly, be aware of any mileage limits, and understand the fuel policy. By following these tips, you can enjoy a safe and hassle-free rental experience on Turo.
