But they could offer a protection plan that is not tied to your personal insurance in any way and relieves you of the burden of getting your insurance company i

But they could offer a protection plan that is not tied to your personal insurance in any way and relieves you of the burden of getting your insurance company involved at all. That's what car rental LDW plans do. "We offer the Loss Damage Waiver so you don't have to worry or stress about driving our vehicles. The LDW isn't insurance, but it can protect you from the cost of damage to the Hertz’ car. By purchasing the LDW, you will not be responsible for any loss or damage that occurs to the car so long as you weren't using the car in a prohibited manner." https://www.hertz.com/rentacar/productservice/index.jsp?targetPage=USHowProtectedAreYou.jsp https://www.hertz.com/rentacar/productservice/index.jsp?targ... Turo wants you to buy a protection plan from them, but then if there is a loss, the plan you just bought is not available to you until you exhaust all options and financial compensation via your own insurance carrier.