USAA, a well-known provider of insurance and financial services catering primarily to military members and their families, does not directly offer coverage for peer-to-peer car-sharing services like Turo. Turo is a platform that allows private car owners to rent out their vehicles to others for short periods, similar to Airbnb for cars.

However, USAA does offer various auto insurance policies that may provide coverage for individuals who participate in car-sharing programs like Turo. The extent of coverage depends on several factors, including the specific terms of the policy and state regulations. Here’s how USAA auto insurance may apply to Turo rentals:

1. Personal Auto Policy: USAA’s standard auto insurance policies typically provide coverage for personal vehicles used for personal purposes, such as commuting or running errands. If you occasionally rent out your personal vehicle through Turo, your USAA policy may still provide coverage, but it’s essential to review the policy terms carefully. Some policies may exclude coverage for commercial activities like car-sharing.
2. Rental Car Coverage: USAA offers optional rental car coverage as part of its auto insurance policies, which may extend to rental vehicles obtained through services like Turo. This coverage typically applies to temporary substitute vehicles used while your insured vehicle is undergoing repair or maintenance. However, coverage limits and exclusions may vary, so it’s crucial to consult your policy documents or contact USAA for clarification.
3. Commercial Use Exclusions: Many auto insurance policies, including those offered by USAA, contain exclusions for vehicles used for commercial purposes. If you rent out your vehicle through Turo on a regular basis or for profit, it may be considered commercial use, and coverage under your personal auto policy may not apply. In such cases, you may need to explore commercial insurance options or obtain coverage through Turo’s insurance program.
4. Turo Insurance: Turo offers its own insurance program, which provides coverage for hosts and guests during Turo rentals. Hosts can choose between three protection plans with varying levels of coverage, including liability, physical damage, and roadside assistance. Guests are automatically covered under Turo’s insurance while driving a rented vehicle. However, it’s essential to review Turo’s insurance terms and verify coverage details before participating in a rental.

In summary, while USAA does not specifically cover Turo rentals, individuals who participate in car-sharing programs should carefully review their auto insurance policies and consider additional coverage options to ensure adequate protection during rental transactions. Consulting with an insurance agent or representative can help clarify coverage options and address any questions or concerns.