有同学用过turo租车吗，想问一下他们的保险

下个月要去阿拉斯加玩，因为要去denali park road全程和dalton highway一部分，所以找了一个让我们开土路的turo host. 因为怕被讹所以买了standard protection. Turo的这个保险也很奇怪，卖的竟然是secondary的，不过我本身的保险也就只有libility, 所以也无所谓了。

但是今天下去跟host确认的时候，他说turo的standard protection是保对方的车，并不是保租的车，但是我看turo的描述怎么都是带collision的啊，有没有用过的同学讲讲，谢谢～～

楼主也发邮件问了客服，现在没有人回应我。有的话也会补充～

这个是保险的详细介绍。https://support.turo.com/hc/en-u ... insurance-US-guests


补充内容 (2021-08-25 02:25 +8:00):
今天得到了客服的回复。基本上host说的没错。turo那个protection plan并不是保险，但是会保证我们自己的保险保额满了以后，out-of-pocket

补充内容 (2021-08-25 02:27 +8:00):
（不小心发出去了。。。）
会保证out-of-pocket的最大值是protection plan里规定的。下面附上客服回答。

-- 回答1

Protection plans are available to guests who book trips with peer-to-peer hosts. If you choose a protection plan for your trip, it’ll include these three key elements:

Third-party liability insurance from insurance provider Liberty Surplus Insurance Corporation.* This provides secondary (excess) coverage for damage to another person or their property. (Any personal insurance you have is primary, and insurance from Liberty Surplus Insurance Corporation kicks in after).
A physical damage contract between you and Turo. The contract limits your out-of-pocket costs for physical damage to the host’s vehicle during the trip. It does not remove your responsibility for interior or mechanical damage you may cause. This contractual limitation is not insurance.** It’s between you and Turo and varies depending on the plan you select. The cap to your out-of-pocked costs is applied after any patent from your personal insurance policy.
Eligibility for roadside assistance through Turo, although additional costs may apply.

You may learn more about protection plans here.https://support.turo.com/hc/en-u ... -contract-US-guests

-- 问题1:
Say I select the standard protection plan. But my own insurance has liability only. So if there is a collision, will the 500-cap still apply? coz my insurance won't cover the rental car.

-- 回答2:
To answer your quuestion, yes it would in fact still apply because of the plan being chosen in general and if there is damage deemed eligible from the accident.

quote from the link that is provided "Guest responsibility
The primary Guest is responsible to return the Vehicle on time and in essentially the same condition it was in when they first received it.
The primary Guest is financially responsible for all Physical Damage or theft to the Vehicle, as well as Related Costs. The primary Guest is financially responsible regardless of who is found to be at fault for the damage.
Claims processing costs vary but are typically up to $575 per claim. If a third party accepts total fault for the claim and that third party’s insurer processes it on behalf of the host without substantial processing by Turo’s third party claims administrator, we’ll refund the Guest the claims processing fee.
For example, if there’s Physical Damage to the Vehicle during the period of the booked trip, the primary Guest will be financially liable for the costs of repair, plus Related Costs.
'As another example, if there’s Physical Damage to the Vehicle that results in it being a total loss, then the primary Guest will be financially liable for the actual cash value of the Vehicle, plus Related Costs, minus the salvage value, if any."

所以你的host说得没错。

上次去波士顿有租所以稍微了解了一下 信用卡自带的租车险对turo不适用 但是在你下订单之后会有一个option 可以加一些钱 这样如果车子撞了之类的 最高的out of pocket不超过200还是多少来着

dxq77dxq 发表于 2021-8-24 07:56
上次去波士顿有租所以稍微了解了一下 信用卡自带的租车险对turo不适用 但是在你下订单之后会有一个option  ...

嗯嗯，我买了个不超过500的。

租过三四次，没买过保险👀

JiafeiBaBa 发表于 2021-8-23 19:35
租过三四次，没买过保险👀

我比较怂。。担心被讹。。

有些信用卡好像是自带租车险的

ztystar 发表于 2021-08-23 19:42:47
有些信用卡好像是自带租车险的

恩恩，但是turo好像不算…

大卫李 发表于 2021-08-23 20:12:25
quote from the link that is provided "Guest responsibility
The primary Guest is responsible to retu

谢谢回复，我也看到了这一段，但是下面还有这一段，
Primary Guests can contractually limit the amount that they’re legally obligated to pay out of their own pocket in the event there’s Physical Damage to the booked car that’s not covered, or fully covered, by the primary Guest’s own insurance.

所以感觉意思是有damage的话我需要负责，但是我own insurance覆盖不到的，可以通过买这些plan，来限制我自己out of pocket 的数量？

turo的保险很垃圾, 出了事还是得你自己联系, 他们基本上帮不上忙的. 就买个standard就好了