What are the different Turo protection plan levels?

Turo offers four protection plan levels: Premier (zero deductible, full coverage), Standard ($500 deductible), Minimum ($3,000 deductible), and Declined (guest is fully liable for all damages). The plan your guest selects determines how damage claims are handled and who pays the deductible.

How do I check what protection plan my Turo guest selected?

Open the Turo app, navigate to your trip history, find the specific trip, and view the guest's protection plan details in the trip information section. Checking this immediately after discovering damage is critical because it determines your resolution strategy — whether to file through Turo, pursue the guest's deductible, or file with their personal insurance.

What happens if a Turo guest declines protection and damages my car?

If a guest declines Turo protection, they are 100% financially liable for any damages to your vehicle. You should document all damage thoroughly, notify the guest of their liability, request their personal auto insurance information, and file a claim directly with their insurance company. Fleetsnap's claims tools can guide you through each step.

Which Turo protection plan is best for hosts?

From a host's perspective, Premier protection is ideal because it means zero deductible and full coverage through Turo. Standard ($500 deductible) is manageable. Minimum ($3,000 deductible) creates significant risk, and Declined means you may need to pursue the guest's personal insurance directly. Your damage resolution strategy should change based on which plan the guest selected.

Free Tool for Turo Hosts

Check Your Guest's Protection Plan

Know your guest's coverage level before choosing a resolution strategy — it determines whether to file through Turo, pursue the deductible, or go directly to their personal insurance.

Last updated: March 2026

Step-by-Step Video Tutorial

Watch how to quickly check your guest's protection plan in the Turo app

Turo Protection Plans at a Glance

Understanding the four protection plan options and their liability levels

Protection Plan Comparison

Know your guest's plan to choose the best resolution strategy

Protection Plan	Guest Liability	Description
Premier	Zero	Full coverage with no deductible
Standard	$500 deductible	Moderate coverage with manageable deductible
Minimum	$3,000 deductible	Basic coverage with high deductible
Declined	Fully liable	No coverage - guest pays for all damages

Choose Your Resolution Strategy

Your approach should match your guest's protection plan level

Premier Plan (Zero Liability)

Go through Turo. Guests are fully covered so they're unlikely to resolve directly, even for small damages. Use Turo's claims process for best results.

Standard ($500) & Minimum ($3,000) Plans

Consider resolving directly. If you can resolve for an amount less than the guest's deductible, this is often attractive to guests and gets you paid faster.

Declined Plan (Fully Liable)

Resolve directly or go through guest's insurance. Guest is responsible for all damages. Act quickly with professional communication and thorough documentation.

Pro Tip: Time is Critical

Regardless of protection plan, contact guests within 6 hours of trip end. Early, professional communication significantly increases your success rate.

Need More Tools for Damage Claims?

Check out our other free resources to maximize your claim recovery rates.