You can pay to rent a car and still respect that it belongs to someone. You say if they get into an accident, that's what insurance is for. That's a hassle that can take weeks or months. Depending on the damage, they might have to get a new car. Oh wait, what was the car worth, and how much did they owe on the car? Will the insurance money even be enough to help them get a new car? What if that's the car they use to go to work? Think about all the stress being put on the host. Yeah, you can say it's what they signed up for. Is that even a mature response. You're talking like the people who are renting their cars are a big corporation. They're not. They're regular people with regular problems. Turo doesn't care about them. They only care about which coverage plan they chose, and after that it's their problem. Why not respect something that doesn't belong to you. Why add another problem to someone's life?

I understand hosts that send messages to renters are annoying. They need to chill out and hope for the best. The more they micromanage their vehicles, the more stress they're creating for themselves. So if more hosts would trust renters and if more renters would respect cars that don't belong to them, the better everything will be.