They know some as the underwriting is performed by Turo’s insurance partner. The car owner also holds their own commercial insurance policy, which examines Turo

They know some as the underwriting is performed by Turo’s insurance partner. The car owner also holds their own commercial insurance policy, which examines Turo’s driver-side policy as part of underwriting. Also, you’re still misunderstanding auto claim sizes; to choose $100/300 isn’t to make an acceptable risk judgment. It’s to be covered in effectively every situation even if you were a reckless driver. As a reckless driver, your frequency of claims would be higher, so your premium will be higher, but your claim sizes will still fit in a fairly narrow band. $750k with zero deductible is a shiny number designed to sell their very expensive premium policy. (To be clear, I don’t mind that they offer it.)