A rock hit my windshield on the highway. By the time the guest returned, the crack was 12 inches long across the driver’s view. A new windshield for my 2026 Lucid Air is $2,200 because of the ADAS (sensor) calibration. My Turo deductible is $250 (75 Plan). The guest says, “It’s not my fault, it was a rock!”
Key Takeaways
- Fault Doesn’t Matter (Usually): On Turo, the guest is responsible for damage occurring during the booking, regardless of fault (mostly). A flying rock is an accident.
- High Replacement Costs: In 2026, windshields are tech components. They require camera calibration. Never accept a “Cash Settlement” of $300.
- The Deductible Problem: If you are on the 90 Plan ($2,500 deductible), you pay the whole $2,200 yourself.
- Personal Policy Glass Coverage: Some personal policies (like in Florida or Kentucky) have $0 deductible for glass. However, using this for a Turo claim is insurance fraud unless you have a commercial endorsement.
The “Why”: ADAS Calibration
The glass itself is relatively inexpensive ($400). However, the labor required to recalibrate the Lane Keep Assist and Emergency Braking cameras is costly ($1,000+). Turo approves the calibration expense, but only if the manufacturer’s requirement sheet is provided.
The Investigation: Repair vs. Replace
- Chip (< 1 inch): Repairable. Cost $80. Turo might not pay if it’s under the deductible, or might consider it “Wear and Tear” on high deductibles.
- Crack (> 6 inches): Replacement required.
- The Guest’s Argument: Guests often refuse to pay, saying “Acts of God” aren’t their fault.
- Turo’s Rule: The guest is contractually liable for the car’s condition. Turo charges the guest.
Comparison: Glass Deductibles
| Scenario | 60 Plan ($0 Ded) | 75 Plan ($250 Ded) | 90 Plan ($2,500 Ded) |
| $100 Chip Repair | Turo pays $100 | You pay $100 | You pay $100 |
| $2,000 Replacement | Turo pays $2,000 | Turo pays $1,750 | You pay $2,000 |
Step-by-Step Action Plan
- Measure the Crack: If it is in the driver’s line of sight, it must be replaced (safety law).
- Get a Quote with Calibration: Ask Safelite or the dealer for a quote that includes “Recalibration.”
- File the Claim: Upload the photo and the quote.
- Do Not Use Personal Insurance: Unless you want to get dropped. Pay the Turo deductible or the full cost if you are on the 90 plan.
FAQ
Can I charge the guest directly?
If they agree, yes. This is often better. “Hey, the windshield is $1,500. My deductible is $250. Can we settle for $500?” (Be careful with Turo’s “Gray Market” rules, but settling damages directly is generally allowed if amicable).
What if I have a glass warranty?
If you bought a “Windshield Protection Plan” from the dealer, use it! It usually covers the replacement regardless of who was driving.
Does the Turo protection plan cover tint?
Yes, if you have proof (receipt) that the window was tinted. They will pay to re-tint the new glass.