Atlanta Turo Accident Lawyer

Atlanta's busy airport and convention scene makes it a top Turo market. When Turo rental accidents occur, victims face complex insurance situations involving host policies, renter coverage, and Turo's protection plans. Understanding Georgia liability rules is essential for recovery.

Turo's Insurance Structure

Unlike traditional rentals like Hertz or Enterprise, Turo relies on a patchwork of coverage: the host's personal policy (often excludes peer-to-peer), the renter's personal policy (may not cover rentals), and Turo's protection plans (has significant gaps per III analysis).

Coverage Gap Problems

• Host personal policies often exclude commercial use
• Renter personal policies may not cover peer-to-peer rentals
• Turo's $1M liability has exclusions and deductibles
• Unlisted drivers may void all coverage
• Off-road or prohibited use voids protection

Georgia Vicarious Liability

Under Georgia law, vehicle owners can be liable for accidents caused by drivers they entrust with their vehicles. Turo hosts may face negligent entrustment claims if they rented to unqualified drivers.

Pursuing Claims as an Accident Victim

If you were hit BY a Turo rental vehicle, your path to recovery involves: (1) the at-fault driver's personal insurance, (2) Turo's third-party liability coverage, (3) the host's umbrella policy if any, and (4) your own UM/UIM coverage if others are insufficient.

Settlement Ranges

• Minor accidents with clear liability: $15,000-$50,000
• Moderate injuries: $50,000-$150,000
• Serious injuries requiring surgery: $150,000-$500,000
• Permanent injuries: $500,000-$1M+

Filing Deadlines

Georgia's 2-year statute of limitations applies (O.C.G.A. § 9-3-33). File in Fulton County Superior Court or the county where the accident occurred.