Am I covered if I rent my car on Turo or other peer-to-peer platforms?

No — your personal auto policy almost certainly excludes coverage when you rent your car out for commercial purposes, including peer-to-peer platforms like Turo and Getaround. The exclusion is similar to the ride-share exclusion: if you are using your vehicle to generate income from third parties, your personal policy does not respond. Turo and similar platforms offer their own coverage options (Turo's covers liability and physical damage during the rental period), but those programs vary in quality and have specific exclusions. Two practical implications: if you are renting your car out and something happens during the rental, your personal policy can deny the claim AND your carrier may cancel your policy upon learning about the commercial use. If you are running a meaningful Turo operation (more than occasional), commercial auto insurance is the right product. If it is occasional, the platform's coverage plus thorough screening of renters may be enough. We can walk through what makes sense for your situation if you let us know how often and what kind of vehicles you are renting out.