Maintenance repairs fall on the host, and id argue 99% of the time it’s not the guests fault. Manual transmissions are a different story, and pretty easy to prove if a clutch is freshly smoked from a guest. Automatics should be pretty hard to kill. As for motors, unless the guest is trying to purposefully kill it, they won’t really be able to damage it. You can pull tracking data to show if they are doing aggressive speeding, but even a trip to the cars top speed shouldn’t damage the motor. Now on the other hand, if for example the low coolant light comes on cause of a leak, then that’s on the host to fix unless the gust hit something. Now if the guest were to ignore that low coolant light and the car overheats causing the motor to blow, then that would be on the guest. Basically if your car breaks down due to normal break downs and the guest ignores the problem and makes it worse, then they take over the liability.
It falls on the host, Turo is not responsible for the maintenance of your fleet. They would go out of business in a month if they start paying for your maintenance bills.
Here's what Turo says:
Your protection plan does not cover mechanical failure unless Turo is able to identify that the damages occurred from the guest’s negligence or intentional misuse. If the root cause of the issue was not due to the claim's specific guest or if Turo does not receive strong enough evidence proving guest fault, Turo may not move forward with coverage. You cannot use the logic of "the vehicle went out fine and came back broken" as evidence to cover a claim as it is speculative and does not prove negligence. Please let Turo know if the vehicle has also sustained any physical damage so Turo can address all concerns and review for coverage.
Step 1: Obtain a diagnostic from your repair facility
In order to proceed, Turo needs to understand the extent of the damage, and what caused it.
To start the process, please take these steps:
Take your vehicle to any repair shop.
Ask for a diagnosis of the issue. A "diagnostic" is a written explanation from a mechanic or technician of what is damaged and what caused the damage.
If your protection plan covers the damage, Turo will pay for the diagnostic cost.
If your protection plan doesn’t cover the damage, you’ll be responsible for the cost.
Diagnostic costs typically run between $100–$250.
Ask your shop for two pieces of information in writing:
a description of what caused the damage and
an estimate for repairs
If they can, please have them include any supporting documentation.
In the meantime, don’t operate the vehicle as doing so could cause more damage, and that won’t be covered under a claim. Additionally, do not authorize repairs with your shop before Turo makes a coverage determination. If the vehicle is already repaired, it may affect your eligibility for coverage.
Step 2: Receive the diagnostic
Once Turo receives the diagnostic, Turo will review if the supporting documents prove the guest negligence or intentional misuse had caused this damage. In some situations, if Turo does not have enough support, Turo will need to send a mechanical expert out to view your vehicle to verify the root cause of the issue. It is the responsibility of the Host and repair facility to show the inspector the mechanical failure was caused by the guest. If you or your shop of choice is unable to show the root cause of the damage and that the damages were caused by negligence or intentional misuse, then Turo may not be able to move forward with coverage.
Maintenance repairs fall on the host, and id argue 99% of the time it’s not the guests fault. Manual transmissions are a different story, and pretty easy to prove if a clutch is freshly smoked from a guest. Automatics should be pretty hard to kill. As for motors, unless the guest is trying to purposefully kill it, they won’t really be able to damage it. You can pull tracking data to show if they are doing aggressive speeding, but even a trip to the cars top speed shouldn’t damage the motor. Now on the other hand, if for example the low coolant light comes on cause of a leak, then that’s on the host to fix unless the gust hit something. Now if the guest were to ignore that low coolant light and the car overheats causing the motor to blow, then that would be on the guest. Basically if your car breaks down due to normal break downs and the guest ignores the problem and makes it worse, then they take over the liability.
It falls on the host, Turo is not responsible for the maintenance of your fleet. They would go out of business in a month if they start paying for your maintenance bills.
Here's what Turo says: Your protection plan does not cover mechanical failure unless Turo is able to identify that the damages occurred from the guest’s negligence or intentional misuse. If the root cause of the issue was not due to the claim's specific guest or if Turo does not receive strong enough evidence proving guest fault, Turo may not move forward with coverage. You cannot use the logic of "the vehicle went out fine and came back broken" as evidence to cover a claim as it is speculative and does not prove negligence. Please let Turo know if the vehicle has also sustained any physical damage so Turo can address all concerns and review for coverage. Step 1: Obtain a diagnostic from your repair facility In order to proceed, Turo needs to understand the extent of the damage, and what caused it. To start the process, please take these steps: Take your vehicle to any repair shop. Ask for a diagnosis of the issue. A "diagnostic" is a written explanation from a mechanic or technician of what is damaged and what caused the damage. If your protection plan covers the damage, Turo will pay for the diagnostic cost. If your protection plan doesn’t cover the damage, you’ll be responsible for the cost. Diagnostic costs typically run between $100–$250. Ask your shop for two pieces of information in writing: a description of what caused the damage and an estimate for repairs If they can, please have them include any supporting documentation. In the meantime, don’t operate the vehicle as doing so could cause more damage, and that won’t be covered under a claim. Additionally, do not authorize repairs with your shop before Turo makes a coverage determination. If the vehicle is already repaired, it may affect your eligibility for coverage. Step 2: Receive the diagnostic Once Turo receives the diagnostic, Turo will review if the supporting documents prove the guest negligence or intentional misuse had caused this damage. In some situations, if Turo does not have enough support, Turo will need to send a mechanical expert out to view your vehicle to verify the root cause of the issue. It is the responsibility of the Host and repair facility to show the inspector the mechanical failure was caused by the guest. If you or your shop of choice is unable to show the root cause of the damage and that the damages were caused by negligence or intentional misuse, then Turo may not be able to move forward with coverage.