While you don’t necessarily need to abide by a legal obligation or contract for moral purposes, there are absolutely ways in which you can royally screw yourself if you willfully violate the agreement. And one Turo renter accident could bring the whole situation to a head.
I can’t say exactly what OP agreed to but for sake of argument if there’s a clause that allows them to immediately ‘call in the loan’, and make you responsible for the shortfall, could be on the hook for tens of thousands of dollars and put credit at risk.
Definitely ground I’d tread carefully. Why make a small problem into a much larger one.