If renting a Turo, should I get my own personal auto insurance?

Post date: 2022-05-28 08:08:36
Views: 9
I'm mulling over renting a Turo (which is a peer-to-peer car "rental" program, which apparently makes a difference for some auto insurance policies). As I'd most likely be going cross-country and back, and as I don't have a car, so no auto insurance, I'd like to make sure I'm insured to the teeth (especially as it'd be a super expensive Tesla).

From my understanding, Turo has insurance plans offered as an add-on, but it only covers up to $750k for liability, which is a bit low, especially in case there's a multi-car accident, which can easily add up to millions. My friend said that their coverage is on the low side, and doesn't really seem to cover personal vehicle damages like traditional car rental companies offer as add-ons.

So, what's the best option for someone who doesn't have a car, needs temporary insurance that would cover theft, loss, corresponding loss of use charges, and liability, up to x amount, BUT is acceptable for a peer-to-peer service like Turo? Their website isn't exactly clear with exactly what they cover (unless I'm missing something), and I also want a low or $0 deductible plan as well.

Hertz does offer Tesla rentals, but using Hertz is not an option here, so please don't suggest Hertz specifically. I do know Enterprise offers a limited set of Teslas as part of their exotic car collections, but availability seems spotty/far in between. I'm open to other options in renting a Tesla, and saw a few websites that purport renting Teslas as their primary businesses, but get a bit of a "sketchy" vibe from them, so Turo most likely is it.

Thanks!
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