Turo insurance policy. When you book a car with Turo , it provides 4 different insurance categories. One of them to decline any insurance and other 3 options are to cover physical damages to the car while you are using it. I rented out a car from a host and during the rental period car had small physical damage. Thought I paid close to 1000 for the “premier” insurance , Turo wants to go after my personal insurance. After almost two months later, Turo hasn’t gotten back to the host or me ( somehow, Turo paid a partial amount to the host), and when I emailed Turo, they pointed out in their terms and conditions mentions that they will go after renters insurance first for any damages regardless of the insurance purchased. I strongly believe the turo app is misleading, and they deliberately do not provide some of the essential terms of the insurance policies to trick customers into purchasing higher insurance policies.