Coverage Overview
Chase Preferred cards provide a secondary auto liability coverage that can be applied to Turo rentals. The coverage limits are $1 000 000 per incident, with a $1 000 deductible per vehicle. It applies to the vehicle you rent through Turo, but only if you decline the primary insurance offered by the rental platform.
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How It Applies to Turo
Turo's own insurance policy is the primary coverage, and Chase's policy acts as a secondary layer. If you accept Turo's insurance, the Chase coverage will not pay out. To use the Chase policy, you must opt out of Turo's coverage and report the claim directly to Chase. This is similar to how the credit‑card insurance works for other rental services.
Key Conditions and Limitations
• The vehicle must be a car, not a motorcycle or truck.• The rental must be for a day or longer; short‑term, one‑hour rentals are excluded.• The rental must be in the United States; international trips are not covered.• You must be the primary driver and have a valid driver's license on file with Chase.
Coverage Comparison
| Attribute | Chase Preferred | Turo Insurance |
|---|---|---|
| Primary/Secondary | Secondary | Primary |
| Coverage Limit | $1 000 000 | Varies by plan (e.g., $1 000 000 for Standard) |
| Deductible | $1 000 | $0–$250 depending on plan |
| Claim Process | Direct to Chase | Through Turo platform |
Practical Tips
- Always check the Turo policy options before booking to decide whether you want to rely on Chase coverage.
- Keep your Chase card active and ensure your personal information is up to date to avoid claim disputes.
- Document any damage immediately and notify both Turo and Chase as soon as possible.