California Turo Accident Attorneys
Whether you are traveling out-of-state or your car is being repaired, there is no doubt that renting cars from corporate establishments can be costly. In recent years, many people in California are turning to a new alternative: the Turo car-sharing marketplace. Working off the same basic premise as ride-sharing and home-sharing tech companies, Turo allows vehicle owners to lend out their personal cars at a daily rental rate, which can be beneficial for all parties.
However, what happens when a car rented via Turo is involved in a crash? Which insurance policy covers your injuries and other losses? Navigating the insurance process following a Turo accident can be challenging, so you want the right California rental car accident insurance lawyer on your side and advising you of your rights.
Determining the cause of a Turo crash
Turo vehicles can be involved in accidents, just like any other type of vehicle. There are many reasons why Turo cars can crash, including:
- You are driving a Turo vehicle, and another driver crashes into you
- A driver in a Turo rental car collides with your personal vehicle
- The Turo vehicle you rented malfunctions and causes you to crash
Generally speaking, if another driver is responsible for causing an accident, their insurance company should cover any property damage or injury-related losses. However, the question of insurance can become more complicated when a vehicle rented by Turo is involved. To make sure you file the proper claims and identify all possible coverage, always have a car rental accident lawyer evaluate your situation.
Turo insurance claims
One of the main goals of a California rental car accident lawyer is to determine which insurance policies should cover your losses. In order to do this, it is necessary to fully understand how Turo rentals work with insurance coverage.
First, the vehicle owner’s personal auto insurance will generally not come into play. This is because consumer policies will not cover damage or injuries when the car is being used for commercial purposes. Since the vehicle owners are making money from the rentals, their coverage will likely deny any responsibility under a consumer policy.
Next, we should look at the at-fault driver. If the driver is in their own vehicle, they should have their own auto coverage, though not every driver has insurance. If they were driving a Turo rental when they caused the crash, they may or may not have personal coverage. This is because Turo does not require drivers to have their own coverage in order to rent a vehicle.
Turo provides its own coverage for purchase by both vehicle owners and renters. This policy provides up to $1 million in liability coverage for injuries and damage. Renters might have their own policies, in which case Turo coverage acts as supplemental insurance. An important note is that vehicle owners can opt out of Turo’s corporate coverage. If you do not have your own insurance, you should always rent a vehicle from someone who did not opt out.
There might be different insurance companies involved in a Turo accident claim, such as:
- A third-party driver’s insurance
- Turo’s insurance coverage
- Your own uninsured or underinsured motorist coverage
To ensure you receive the full compensation you deserve for your losses, you want to ensure you file the proper insurance claims with the right companies.
What to do after a Turo accident?
If you are in a crash in a Turo vehicle, you need to report the accident within 24 hours of the crash or the end of the rental. You should file a police report and provide Turo with the report number. If you fail to take these steps, you might be ineligible for compensation from Turo’s insurance coverage.
If you suffered injuries or feel anything out of the ordinary, you should seek medical treatment right away. This documents the injuries you sustained and connects them to the crash in question.
Your next step should be to contact our experienced attorneys. We can guide you through the process of recovering financially if another driver was at fault or a defective Turo rental car caused you to crash. It is important to get the process started as soon as possible to maximize your chances of receiving the full compensation that you deserve. Having the right law firm handling your claim often makes a huge difference in the outcome.