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Turo Inc. (previously called RelayRides and banned in the state of New York) claims to provide insurance through Liberty Surplus Insurance Corp and allegedly offers three levels of vehicle damage protection - Basic, Standard, and Premium.

Turo's insurance premiums are extremely expensive (equivalent to approximately $9000/year, compared with roughly $800/year that GEICO charges for the same car). And it's only when you submit a claim that you find that it is a sham. The "Claims Adjuster" is not only NOT affiliated with Liberty Surplus in any way, but is obviously an untrained call center representative likely based in the Phillipines (and likely unlicensed in the US). The adjuster does not understand basic terms about vehicles and insurance such as "comprehensive coverage" and "body damage", and will first flatly deny the claim, and then try to come up with a reason for denial.

They will change the reason multiple times as you refute each one with proof. In the end, they will not pay any claim, secure in the knowledge that (i) any arbitration will be rigged in their favor, and (ii) if you had the foresight to opt-out of mandatory arbitration, then a lawsuit in Arizona will cost you more than the claim itself is worth, and lastly (iii) because the Terms and Conditions prohibit joining others like you in a class action lawsuit.

Review about: Liberty Mutual Insurance Auto Claim.

Reason of review: Damaged or defective.

Monetary Loss: $2500.

Preferred solution: Full refund.

I didn't like: Suspicious denial, Customer service, Lack of ethics, Lacking customer service, Unable to speak to customer service.

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