Skip Navigation

Can a foreigner buy a car in USA

Travel Forums North America Can a foreigner buy a car in USA

Page
Last Post
61. Posted by jtorjo (Budding Member 17 posts) 1y Star this if you like it!

OldPro, turo indeed includes insurance.

So far, I've chosen the Premium (which is kinda' expensive), and want to look into the Basic as well.

Until I get to Miami, I'm pretty much sold on turn/greyhound. When I get to Miami (and probably, during, as well :)), I will have to re-think this through.

Long story short, turo looks like an awesome thing so far. I've so far rented for Chicago, NY, and am in the process of renting in Philly as well.

After getting to Miami, I'll rethink about where I will need the car, my expenses (look at turo prices at each of the location I'm about to stop), and see if it is indeed worth it.

I'll post to this thread, as time goes by :)

Best,
John

62. Posted by jtorjo (Budding Member 17 posts) 1y Star this if you like it!

Been reading quite a bit about turo's insurance. Long story short, very likely I'll go with Premium at all times.

Now, what I don't understand is this: where I live, if there's an accident between two cars, always the one at fault's insurance pays all.

Is this the case in US as well? In other words, if someone runs into me (his fault), I would expect the other guy to pay for everything - correct?

Best,
John

63. Posted by OldPro (Inactive 400 posts) 1y Star this if you like it!

Umm, well not really. The insurance companies pay, not the person. Which insurance company pays, his or yours, really doesn't matter to you. What matters is YOU don't pay.

Bear in mind though that as this is not a 'normal' rental company, they aren't going to show up at your hotel door with another car for you an hour after the accident. Hertz or Avis would but obviously Turo is not in that position. You would have to find another car owner on Turo to rent another car from. What I would expect Turo to do is arrange for the car to be repaired and returned to the owner. Turo sounds good but as in most things, you get what you pay for and only what you paid for. So there is some risk of inconvenience in the event of an accident.

I'm a bit confused by where you say you are renting. Most people would NOT rent for the time they plan to be IN cities. They would rent for the time they are going to tour around outside of cities. If all you plan to do on this trip is go from city to city by Greyhound, then what do you need a car for?

For example, if you got to Phoenix or Las Vegas and wanted to visit the Grand Canyon, then you might want to rent a car and drive there. I can't imagine anywhere you might want to drive to from NYC unless you wanted to spend some days driving up the coast to Boston and visiting Cape Cod perhaps along the way. Circular trips of a day or more that end up where you started from.

What a car is really good for are 'road trips' and the longer the better. For example again, if you rented in Phoenix you might visit Sedona, the Grand Canyon south rim, Las Vegas, Zion, Grand Canyon north rim, Lake Powell and then back south to Phoenix. A circular trip that could take several days or more depending on how you spend your time along the way.

64. Posted by jtorjo (Budding Member 17 posts) 1y Star this if you like it!

I do understand that, in the case of an accident, I would not have my car replaced.

What makes no sense to me, is that in the case of an accident, it's not my fault, and I may still pay something. That is insane.

From reading about insurance on Turo, for Premium insurance, it appears that I'll pay up to $500 in the case of an accident. But it doesn't say - if the accident is not my fault, what should happen then?

Also, indeed, normally you would rent a car for driving between the cities. However, the cost is just too prohibitive, and it's not worth the hussle to rent from Hertz / Avis.

On the other hand, I do plan to visit a lot of things, and a car is the best way to travel. In the last few days, I've had to rethink how I'll be doing the trip, at least up to Miami, because of the huge hustle with buying a car as a foreigner.

Best,
John

65. Posted by karazyal (Travel Guru 1964 posts) 1y Star this if you like it!

"..... if the accident is not my fault, what should happen then?"

Get a lawyer to sue the person who caused the accident and have them pay for your out of pocket expenditures. If you are injured there may be some "pain and suffering" awards too.

Of course you have to win your case!

66. Posted by jtorjo (Budding Member 17 posts) 1y Star this if you like it!

"pain and suffering" awards too.

that sounds like "fun" :)
Anyway, it seems weird to me that if someone runs into me, I'll still pay damages...

When an accident happens, each party just reports it to its insurance, and that's it?

Best,
John

67. Posted by karazyal (Travel Guru 1964 posts) 1y Star this if you like it!

"When an accident happens, each party just reports it to its insurance, and that's it?"

No, not always. Besides calling the police and notifying insurance companies - some people choose litigation if they feel they are in the right! You know, go to court with a lawyer who fights for you.

68. Posted by jtorjo (Budding Member 17 posts) 1y Star this if you like it!

I see :) Seems I need to document quite a bit on US car insurances :) Oh well :)

About lawyering up - is it worth it for minor damages, time wise? Knowing that I should be on the road and all...

Best,
John

69. Posted by OldPro (Inactive 400 posts) 1y Star this if you like it!

The $500 you are referring to is called a 'deductible'. The higher or lower the deductible, the lower or higher the insurance costs. So if someone is willing to risk a $1000 deductible, they will pay less for insurance. Get the idea?

It is possible to buy insurance for your own car with NO deductible but it simply costs more. In this case however, you aren't buying the insurance Turo is and they are in turn giving you 2 choices, basic and premium with different coverage for each. So it isn't 'insane' as you say to perhaps have to pay something. YOU pay it at home in the cost of the insurance you buy, you just don't get the option to pay less and risk paying a deductible. In other words, what you are used to is LESS choice.

Whether you pay the deductible when you are not at fault depends on various things and there is no way to answer that without knowing about all the factors in any given accident. For example if it happened in Ontario, Canada, you would not pay the deductible as by law that is covered if you are not at fault. But in another location you may have to pay it. Each State in the USA and each Province in Canada has different laws and rules that cover it.

If it take time to determine who is at fault (it's being disputed), you might pay the deductible and then later get it reimbursed.

Really John, you don't need to understand why all the ins and outs of insurance in the USA are as they are, you just need to understand what will apply to you and you seem to have got that figured out. Don't waste time on the details. Keep the big picture in view. IF you are in an accident you are not going to have to pay to replace the car or pay for someone's hospital bills etc. That is where the big money is and that is what you want to be sure you are insured against. A $500 deductible is chicken feed.

As for going to court, obviously that is not a practical answer for anyone to give you. Ignore any such comments.

70. Posted by OldPro (Inactive 400 posts) 1y Star this if you like it!

You still haven't said if you asked Turo if they will cover you as a foreign driver. If they will not, all of this is a waste of time. Have you asked?