Turo is a peer-to-peer car rental platform that connects private vehicle owners with individuals looking to rent cars for short-term use. Users rent from an individual instead of a rental car company. Think Airbnb, but for cars.
However, accidents involving Turo vehicles can complicate legal and insurance claims due to the platform’s unique nature, which blends elements of traditional car rental and car sharing.
How Insurance Works When You Rent From Turo
Understanding the insurance options available when renting a vehicle through Turo is crucial for protecting yourself in the event of an accident. Here’s an overview of how Turo insurance coverage works:
Secondary to Your Insurance
In most states, Turo’s insurance is secondary to your auto insurance, unless the state requires primary coverage.
This means that your personal insurance may cover damages first, and then only go to Turo’s coverage after yours is exhausted.
Liability Insurance
Included in the rental fees, Turo’s liability insurance meets state minimum requirements.
Depending on your plan, liability coverage can range up to $750,000, providing substantial protection if you are responsible for damages or injuries in an accident.
Uninsured and Underinsured Motorist Coverage
If your rental agreement does not include uninsured and underinsured motorist coverage, you should secure this protection through your personal insurance policy.
Without it, you may be unable to recover damages if you’re involved in an accident with a driver who doesn’t have adequate insurance coverage.
Property Damage Coverage
Turo’s property damage coverage protects against physical damage you may cause to the rental vehicle. Deductibles for this coverage range from $0 to $3,000, depending on your chosen plan. However, it typically excludes coverage for mechanical issues or interior damage.
Private Insurance Coverage
Many private auto insurers do not cover rentals through platforms like Turo, leaving renters reliant on Turo’s insurance policies. It’s essential to check with your personal insurer before renting to confirm whether you have any additional coverage options available.
Understanding these insurance options can help you make informed decisions and ensure you are adequately protected while renting through Turo.
If you’re involved in an accident with a Turo vehicle in Louisville, our experienced personal injury lawyers can help you navigate insurance claims and secure the compensation you deserve. Contact us today for a free consultation.
How a Personal Injury Lawyer Can Help
Dealing with a Turo rental car accident can be overwhelming, especially when navigating complex insurance policies and determining liability. Here’s how a lawyer can assist you:
Navigating Insurance Claims
A personal injury lawyer handles disputes between Turo’s insurance, your personal auto insurance, and any third-party insurance companies. They ensure that all claims are properly filed and advocate on your behalf to prevent insurers from undervaluing your case.
Establishing Liability
Your lawyer will thoroughly investigate the accident to identify all responsible parties. This includes gathering evidence, interviewing witnesses, and collaborating with experts to demonstrate who is at fault.
Recovering Damages
A personal injury attorney works to obtain compensation for all your losses, including medical bills, lost wages, property damage, and emotional distress. They calculate the full extent of your damages to ensure you receive fair compensation.
Litigation Representation
If negotiations with insurance companies do not result in a reasonable settlement offer, your lawyer will file a lawsuit. They will represent you in court to try to get you the maximum amount of compensation you deserve.
Having an experienced car accident lawyer by your side can significantly affect the aftermath of a Turo rental car accident. Contact us today to schedule a free consultation.