Does AAA cover Turo in 2023?
If you’re planning to rent a car through Turo, you may be wondering whether AAA (American Automobile Association) covers Turo rentals. AAA is a popular membership-based organization that provides various benefits and services to its members, including travel-related services.
However, when it comes to Turo rentals, the coverage provided by AAA may not be straightforward. In this blog post, we’ll explore whether AAA covers Turo rentals and what other options you have for insurance coverage when renting a car through Turo.
Whether you’re a Turo host or renter, understanding your insurance options is crucial to protecting yourself and your vehicle during a rental. So, let’s dive into the details and find out if AAA covers Turo rentals.
Does AAA Cover Turo?
AAA (American Automobile Association) does not cover Turo rentals under its regular membership benefits. However, AAA offers an optional travel insurance product called AAA Travel Insurance that may cover Turo rentals, among other travel-related expenses.
AAA Travel Insurance provides various levels of coverage, including trip cancellation, interruption, and delay, emergency medical and dental coverage, and baggage loss or delay. Hosts and renters may want to consider purchasing travel insurance if they want additional coverage beyond what is offered by Turo’s protection plans.
It’s important to note that the coverage and benefits of AAA Travel Insurance
can vary based on the policy and the state in which it is purchased. Therefore, hosts and renters should carefully review the policy details and contact AAA for any questions or concerns.
We recommend checking out Turo’s Protection Program which offers several different levels of coverage. You can also consider purchasing a standalone policy from a company like Geico or Progressive.
Read Also // Does USAA Cover Turo in 2023?-(For Guests and Hosts)
Coverage Through Turo-(Costs and Limits)
For Hosts;
It is important for a host to choose the protection plan that makes sense to him or her.
If you are opting for this protection, a percentage of the trip cost is taken by Turo.
Every protection plan includes liability insurance, physical damage reimbursement, and access to 24/7 road assistance.
Here are the 5 packages available for hosts;
| Protection Plan | Plan Price | Deductible |
|---|---|---|
| 90 | 10% of the trip price | $2500 |
| 85 | 15% of the trip price | $1625 |
| 80 | 20% of the trip price | $750 |
| 75 | 25% of the trip price | $250 |
| 60 | 40% of the trip price | $0 |
With a 60-protection plan, a host has to pay absolutely zero deductible but remember Turo takes 40% of the trip cost. It has benefits such as;
- Rental reimbursement coverage of up to $50 per day with a 10-day maximum.
- Exterior wear and tear reimbursement.
- Pays for loss of income while your vehicle is being repaired.
With the lowest protection plan being 90, Turo will take 10% of the trip cost and in case you get into an accident, there will be a $2500 deductible and no replacement vehicle reimbursement during a repair. Also, the 90-plan does not cover exterior wear and tear and also loss of hosting income during the repair.
For the 80 & 85 plan, they will be no replacement vehicle during the reimbursement, it does not include exterior wear and tear and loss of hosting income during the repair.
The 75 plan does not include exterior wear and tear and loss of hosting income during the repair but includes a $ 30-per-day replacement vehicle reimbursement during a repair.
For Guests
In the US, your personal insurance covers damages to the host’s vehicle before your Turo protection plan except for limited situations such as for trips booked in Maryland.
In Turo third liability insurance is available through Travelers Excess and Surplus Lines Company.
When booking a car in the US, you will choose between three protection plan which provides different levels of coverage;
- Premier
- Standard
- Minimum
These protection plans cost a percentage of your total trip price.
| Protection Plan | Cost | Minimum Charge per Day | Coverage limits | Details |
|---|---|---|---|---|
| Premier | 65% to 100% of the trip price | $14 | $750,000 $1250,000 in New York | Coverage is secondary to any personal insurance you may have, except in New York where liability insurance will always be primary. Not available for drivers below 21 years. |
| Standard | 40% of the trip price | $12 | The minimum amount of third-party insurance coverage required by the state. -Limits your responsibility to $500 for physical damage to your host’s vehicle. | Coverage is secondary to any personal insurance you may have, except in New York where liability insurance will always be primary. |
| Minimum | 15% to 25% of the trip price | $10 | Includes the minimum amount of third-party liability insurance coverage required by the state where the car is registered. -Limits your responsibility to $250 for physical damage to your host’s vehicle. | -15% of the trip price when the trip price is more than $250 -25% of the trip price when the trip price is less than $250 |
| Decline | No cost | No cost | You’ll receive the minimum amount of third-party liability insurance coverage required by the state where the car is registered. | You’ll be responsible for all costs related to physical, mechanical, and interior damage. You’ll also be responsible for administrative claims fees and appraisal costs. |
Coverage limits vary from the minimum amount of third-party liability insurance coverage required by the state where the car is registered to up to $1250,000 in New York.
Read Also// Does State Farm Cover Turo Rentals?-(Turo Insurance)
Conclusion
We hope that this article has helped clear up some of the confusion surrounding AAA’s coverage of Turo. While AAA does not currently cover Turo, they are considering it as a potential option in the future.
In the meantime, there are other ways to get coverage for your car while using Turo, so be sure to explore all of your options before renting out your car.
FAQ’s
Does AAA Membership cover rental cars?
The short answer is no, your AAA membership does not cover rental cars from Turo. However, there are some benefits that AAA members can take advantage of when using Turo.
For example, AAA members can get a discount on Turo’s insurance rates. Additionally, if you have to cancel your reservation for any reason, you’ll only be charged a cancellation fee (rather than the full price of the rental).
You May Also Read // Does Progressive Cover Turo?-(All You Need to Know)
Does Metromile cover Turo?
If you’re considering using Turo to rent out your car, you may be wondering if your auto insurance policy will cover you in the event of an accident. The answer is no.
There is an option to pay for miles that your Turo guests drive.
Pay per mile means that how much you drive determines how much you pay for insurance. You’ll pay a low monthly rate, and then only a few cents per mile after that.
Metromile covers you at all times except when your car is booked on Turo. Your Turo protection plan will cover you and your car during Turo trips.
You May Also Read // Does Geico Cover Turo?-(For Hosts and Guests)