Hit by a Turo Rental Car: Who Pays?

If you were hit by a driver using a Turo rental vehicle, determining who pays involves navigating a complex insurance structure unlike traditional rentals. Multiple insurance sources may apply—and understanding this structure is key to maximum recovery.

The Turo Insurance Structure

Unlike Hertz or Enterprise with straightforward corporate coverage, Turo relies on layered policies: the driver's personal insurance, Turo's liability protection (if purchased), the host's personal policy, and your own UM/UIM coverage.

Turo's Third-Party Liability Coverage

Per Insurance Information Institute analysis, Turo offers up to $1M third-party liability coverage during active rentals—but significant exclusions apply: unlisted drivers, prohibited vehicle uses, and geographic restrictions may void coverage.

Pursuing Your Claim

• Step 1: File police report documenting Turo rental
• Step 2: Identify driver and obtain insurance information
• Step 3: File claim with driver's personal insurer
• Step 4: If denied, pursue Turo's liability coverage
• Step 5: Use your own UM/UIM if others are insufficient

Common Coverage Gaps

III research shows 67% of peer-to-peer rental users don't understand coverage. Gaps include: driver's personal policy excluding commercial use, Turo protection with high deductibles, host's policy voided by rental activity.

Your Own Insurance as Backup

Your UM/UIM (uninsured/underinsured motorist) coverage can fill gaps when at-fault driver's coverage is insufficient. Check your policy limits—this may be your most reliable recovery source.

Settlement Expectations

• Minor accidents: $15,000-$50,000
• Moderate injuries: $50,000-$150,000
• Serious injuries: $150,000-$500,000
• Catastrophic injuries: $500,000-$1M+