I have been emailing Turo for over a month trying to understand why they are charging me for a small dink in the windshield that was the result of simply driving on the highway (i.e. not a result of an accident or third party damage). I have had rental cars with this problem and they have never tried to charge me for a replacement windshield. I purchased their standard insurance policy with a $500 deductible. The basics are: 1) We were driving on the highway when a rock hit the windshield (a small rock, the crack is about as long as a fingernail as evidenced in photos). 2) The owner of the vehicle messaged me after the car was returned and said that I could pay the $340 to get it fixed or try to go through Turo's claims process, although he cautioned against this as he knew of people being held liable for the $500 deductible from previous incidents and said they charge for administration fees without detailing those. 3) I contacted their customer service line before submitting a claim and spoke to someone who assured me it would be covered so I should go ahead with their claims process (I have the call reference # if they wanted to check). 4) The claims process comes back with a these following "details" and a bill for $500 per the insurance policy: "Breakdown of claim costs: The total cost of this claim is: $723.61 Damage amount: $623.61 Processing fees: $100.00" 5) I have asked repeatedly for an explanation of their wear and tear policy seeing as my understanding before purchasing the insurance was that something like this would be under their wear and tear as stated on their website. All inquiries regarding more specific language have resulted in me being repeatedly sent back to their website that states "Exterior Wear and Tear is any dings, dents, cracks, or scratches to the exterior body of the vehicle that are 3 inches in diameter or less. It includes, but isn’t limited to rims, wheels, hubcaps, any painted or textured area for the body of the vehicle, and moldings." This obviously does not mention windshields but the damage caused by a rock flying up during driving is well below the 3 inch diameter. I have asked numerous times to see the language as to why the windshield is not covered with just the most recent email saying that it is not covered under the definition of the body of the car. No official language from the company, just representatives saying this is what it is. Obviously, with first being told it was covered and now this flip flop saying it isn't, I am not trusting a representative's word without seeing how they are characterizing the damage. However, they refuse to be more specific. 6) The owner of the car purchased premium insurance and I purchased their standard insurance. It has not been explained to me why both policies do not cover a complete coincidence (a rock hitting a windshield, vs. something like and accident) and why I am paying out of pocket if the repair is already covered by his insurance. 7) I have read online about Turo's previous behavior concerning claims similar to mine and they seem to do this regularly. Apparently the only way to get these charges dropped is to go to small claims court. The following is an excerpt of the latest email (edited for clarity) that I have sent which is a representation of my repeated inquiries and frustrations with the company. "Again, to reiterate this to the point of exhaustion, I am asking for a concrete (PDF), detailed version of your legal language concerning this [wear and tear policy regarding windshields] and a copy of the administrative report from this claim detailing how the admin charges were calculated. I would like to see in this policy where the windshield is positively classified as non-body, or a separate entity from the body on the vehicle, and, additionally, an explanation for why a WINDSHIELD is not mentioned in your EXTERIOR wear and tear policy. If you insist that this charge is valid, and tell me you would like to explain the charges, then please do explain them fully. I am not taking quotes that you have internally generated by whatever policies you have (that I apparently am not allowed to read as evidenced by the incredible amount of pushback I've had with getting this language to read for myself) as an explanation in any way. Moreover, to repeat myself again, an individual told me it would be covered over the phone. I believed her without asking for the language of the policy (my mistake, clearly. The call reference number is XXXXXXX). I cannot take your word in good faith seeing as a representative apparently checked your policy for me and, seeing as she told me over the phone explicitly that I would be covered, did not relay the correct information about what I would actually be on the hook for. Therefore, I refuse to take anyone's word on this seeing as it is not clear to me that any specific representative I am talking to knows what the actual policy is apart from some vague language on your website. Furthermore, please explain: 1) Why I am being charged twice the rate the owner gave me for a replacement windshield. If he gets it replaced for $340 (as he quoted me- I have a screenshot), why would I pay twice that for a fix up that didn't actually cost that much? 2) Why I am paying for your standard insurance when the owner also has premium insurance - if his car is covered by your premium insurance what's the point in me purchasing insurance at all?" To conclude, the company seems to be intentionally vague both before purchasing insurance and now when I am asking for the details of why I am being charged. I believe they think I will give up and pay out of frustration, not because they will detail why I am being charged what I am being charged.