Great question @CARJR1, thank you for reaching out to us to verify coverage for renting a vehicle from a ride-sharing company like Turo. To answer your question, yes, there is coverage when you rent a vehicle. The named insured and resident family members are covered persons for Liability, Medical Payments and Uinsured/Underinsured motorist coverage when operating or occupying a non-owned vehicle. If Physical Damage Coverage is carried on any insured vehicle, that coverage extends to a vehicle borrowed or rented by the named insured or resident family member even if that vehicle is being driven by a permissive user and the insured is not in the vehicle.
The USAA auto policy generally provides the broadest coverage as is shown on the Declarations for a covered person's use of a nonowned vehicle of the following types, as long as it is not available for the regular use of the named insured or any resident family member:
Please visit our website to chat with our insurance specialists to answer any additional questions or concerns you may have. You may also call our specialists at 800-531-8722 to better assist you with your immediate concerns and questions. Thank you for you membership and for reaching out to us. We look forward to hearing from you soon. ~ Marco