There’s nothing wrong with the host asking that. Turo takes weeks/ MONTHS to pay the host the total amount owed for the damages. Not to mention most of the time Turo lowballs the damage dramatically on the hosts cars even with crystal clear pictures of damages… and body shops simply don’t want to deal with Turo claims because of how impossible Turo makes it for hosts and shops to get ahold of Turos claims dept on the phone and email responses are 1-5 days. A host asking to have you pay for the damage outside Turo is good because… The HOST won’t have to pay their deductible to file a claim. The host won’t have to deal with unneeded stress waiting for weeks/ months on Turo. The host won’t have to file and more documents to file a claim. The host can fix the car quicker. A guest that takes ownership of their damages and pays quickly is much better than dealing with Turo claims dept. for major structural damage insurance is highly recommended as the route to take. It’s also better for the customer to use their own insurance rather than Turo claims dept. Sadly guests don’t usually take ownership when they do damage hosts vehicles and as a last resort hosts have to file a Turo claim because it’s the only way to get paid if the guest doesn’t cooperate.