California Turo Accident Attorneys
Injured by a Turo Driver
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 you are injured in an accident with a driver that is operating a car rented via Turo? 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.
Commercial Insurance Coverage: Turo offers commercial insurance policies to hosts in the United States who choose to opt into the Turo commercial rental program. This insurance policy is separate from the host's personal auto insurance.
Turo Protection Plans: In addition to the commercial insurance, Turo offered protection plans for guests who rented vehicles on the platform. These plans varied in coverage and price and provided guests with protection against certain damages and liabilities.
It's essential to keep in mind that insurance policies can change over time, so if you're interested in how Turo's commercial insurance works in the present day, we recommend checking Turo's official website.
We also provide legal representation for the following
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.