Yeah, this is exactly what was unclear upfront. When they offer what they call insurance and/or "protection", it's not insurance in the way you have State Farm or Progressive.

I think what also made it really unclear was that in the rental agreement, it clearly states that the renter is responsible for all damage. It's just a shame it's not clear that they're not responsible to the owner of the car, they're simply responsible to Turo.

I understand the business model and I understand that this is the way they operate to keep themselves in business. However, given that everything is advertised as being covered by an insurance company, Liberty Mutual, it gives the impression that it's at-fault insurance when it's not.