Does USAA Cover Turo? Here Comes the Answer!

Does USAA Cover Turo? Here Comes the Answer!
Author: Joy Aliyu
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Are you planning to rent a car on Turo and wondering if your USAA insurance covers it? You’ve come to the right place.

In this article, we’ll answer your question. You will also get practical advice on proceeding if you want to rent a car on Turo with USAA insurance.

Let’s dive in!

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Key Takeaways

  • USAA insurance covers peer-to-peer car rental services, including Turo, but with some exceptions.
  • Liability coverage is provided, but physical damage coverage may require additional insurance from Turo or the car owner.
  • Filing a claim with USAA for a Turo rental involves following standard procedures, providing necessary documentation, and cooperating with Turo’s insurance.
  • Additional fees may apply for USAA coverage of Turo rentals, but rates may still be competitive compared to other insurance providers.
  • When using Turo, it’s essential to take safety precautions and choose the right car rental insurance to ensure adequate coverage.

Understanding USAA Insurance and Turo

USAA is a leading provider of insurance and financial services for military members and their families.

Their auto insurance policies cover liability, collision, comprehensive, and uninsured/underinsured motorist coverage.

In addition, they offer a range of discounts and benefits for members, such as safe driver discounts and accident forgiveness.

B. Explanation of Turo and its services

Turo is a peer-to-peer car rental service that allows car owners to rent out their vehicles to others.

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It operates in over 5,500 cities worldwide and offers various vehicles, from economy cars to luxury sports cars.

Turo’s services include insurance coverage for owners and renters, 24/7 customer support, and a secure online booking platform.

With Turo, renters can find unique and affordable rental options, while owners can earn extra income by renting out their vehicles.

However, it’s essential to understand the insurance coverage provided by Turo and how it works with your auto insurance policy, such as the one provided by USAA.

Does USAA Cover Turo Rentals?

If you’re a USAA customer planning to rent a car through Turo, you may be wondering if your auto insurance with USAA will provide coverage.

The good news is that USAA does cover Turo rentals if you have a personal auto insurance package.

Confirmation of coverage by USAA agents

According to some USAA agents, they do cover Turo rentals.

However, it’s important to note that the specifics of your coverage may vary depending on your policy and state.

USAA’s policy on peer-to-peer car rental services

USAA does not discriminate against peer-to-peer car rental services like Turo.

You should be covered for Turo rentals as long as you have a personal auto insurance policy with USAA.

Coverage in terms of liability and physical damage

USAA’s coverage for Turo rentals typically includes liability and physical damage but with a few exceptions.

Reviewing your policy to understand the extent of your coverage and any potential limitations or exclusions is essential.

In the next section, we’ll examine what exactly USAA’s coverage for Turo rentals entails.

Exceptions to USAA’s Coverage of Turo Rentals

What is not covered by USAA insurance

While USAA insurance provides coverage for Turo rentals, some exceptions should be considered.

USAA insurance does not cover all Turo rental scenarios, and it is crucial to be aware of what is not covered.

Explanation of exceptions

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.

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It is important to note that USAA insurance does not cover normal wear and tear or mechanical breakdowns during the rental period.

Finally, if the renter is found to violate Turo’s terms and conditions, USAA insurance coverage may be denied.

In summary, while USAA insurance provides coverage for Turo rentals, there are some important exceptions to remember.

It is always a good idea to check with USAA and Turo to ensure that you have adequate insurance coverage for your Turo rental.

Filing a Claim with USAA for a Turo Rental

If you’re involved in an accident while driving a Turo rental car and need to file a claim with USAA, the process can be straightforward if you follow these steps:

1. Step-by-step guide on filing a claim

  • Collect information: Gather details about the accident, including the other driver’s information, police report, and any witnesses.
  • Contact Turo: Let Turo know there was an accident, and they will provide instructions on how to proceed.
  • File a claim: Contact USAA to file a claim by phone, online, or through the mobile app.
  • Provide all relevant information about the accident, including the Turo rental agreement and other necessary documents.
  • Follow up: Keep in touch with your claims adjuster to stay up-to-date on the status of your claim.

2. Tips for a successful claim

  • Be honest and accurate when providing information about the accident.
  • Provide all the necessary documentation and information promptly.
  • Record all communication with Turo and USAA regarding the accident and claim.
  • Cooperate with the claims adjuster and follow their instructions.
  • Don’t hesitate to ask for clarification if you have any questions or concerns.

Does USAA Charge Extra for Covering Turo Rentals?

Explanation of additional fees, if any

USAA does not charge any extra fees for covering Turo rentals.

However, it is essential to note that some additional fees may be associated with Turo rentals, such as delivery fees, late fees, or cleaning fees.

It is recommended to carefully review the Turo rental agreement before renting a car to avoid unexpected charges.

Comparison of USAA’s rates with other insurance providers

Compared to other insurance providers, USAA’s rates for Turo rentals are competitive. Some other insurance providers may charge extra fees for covering Turo rentals or may not offer coverage at all.

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Comparing rates from multiple insurance providers to find the best deal for your needs is always recommended.

However, it is essential to remember that the cheapest option may not always provide the best coverage.

Thus, you should carefully review the terms and conditions of any insurance policy before making a decision.

Practical Advice and Tips

Benefits of using Turo for car rentals

One of the main benefits of using Turo for car rentals is the variety of vehicles available.

Unlike traditional car rental companies, Turo allows you to rent unique and exotic cars that may not be available elsewhere.

Additionally, Turo often offers lower rates than traditional car rental companies, which can be a significant cost-saving benefit.

Safety precautions to take when using Turo

Before renting a car on Turo, it is essential to thoroughly review the vehicle’s details and rental policies.

When picking up the car, thoroughly inspect the vehicle for any damage and take pictures to document its condition.

During the rental period, follow all traffic laws and drive safely.

Finally, refuel the vehicle to the level specified in the rental agreement when returning it.

Recommendations for choosing the right car rental insurance

When choosing car rental insurance, reviewing the coverage offered by your auto insurance policy and any coverage provided by the rental car company or peer-to-peer car rental platform is essential.

Additionally, it is vital to understand the deductible and any additional fees that may apply.

Consider purchasing additional coverage for peace of mind, especially if renting a unique or exotic vehicle.


USAA does offer coverage for Turo rentals, but there are certain exceptions to remember. Before renting a car through Turo, it’s essential to contact USAA and confirm your coverage to avoid any surprises.

While there may be additional fees, USAA’s rates for Turo coverage are competitive compared to other insurance providers.

With proper knowledge and preparation, renting a car through Turo with USAA coverage can be a convenient and affordable option for your travel needs.

Frequently Asked Questions

Does USAA cover Turo rentals?

Yes, USAA provides coverage for Turo rentals.

What kind of coverage does USAA offer for Turo rentals?

USAA offers liability and physical damage coverage for Turo rentals.

Are there any exceptions to USAA’s coverage of Turo rentals?

Yes, USAA does not cover certain expenses like loss of use or diminished value.

Do I need to pay extra for USAA coverage on Turo rentals?

USAA does not charge any additional fees for coverage on Turo rentals.

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