⚠️ Insurance Information Institute: 67% of Turo users don't understand their coverage gaps.
Houston Turo Accident Lawyer
Houston's busy airports make it a major Turo market. When Turo rental accidents occur, victims face complex multi-layer insurance situations.
Turo's Insurance Structure
Per III analysis, Turo coverage involves: host personal policy, renter personal policy, and Turo protection plans (up to $1M during active rentals).
Coverage Gap Problems
- Host policies often exclude peer-to-peer
- Renter policies may not cover rentals
- Unlisted drivers void coverage
- Turo protection has exclusions
Texas Comparative Fault
Under Texas law, you recover if 50% or less at fault.
Filing in Harris County
File in Harris County District Court within 2 years.
Settlement Ranges
- Minor accidents: $15,000-$50,000
- Moderate injuries: $50,000-$150,000
- Serious injuries: $150,000-$500,000
- Permanent: $500,000-$1M+
✅ Injured in a Houston Turo accident? Call (773) 839-6086 for a free case evaluation.
Texas Car Sharing Regulations
Texas regulates peer-to-peer car sharing under Transportation Code Chapter 2402, effective 2019. Per Texas Department of Insurance requirements, Turo must provide liability coverage meeting Texas minimums during rental periods. The Texas Statutes clarify that vehicle owners' personal policies typically exclude commercial car sharing use.
Harris County courts see frequent Turo-related litigation due to Houston's size and tourism traffic. Texas's 51% modified comparative fault rule applies—if you're more than half responsible for the accident, you cannot recover damages. Insurance coverage depends on whether the driver selected Turo's Minimum, Standard ($750K), or Premium ($1M) protection plan.
Multi-Party Liability in Turo Accidents
Turo accidents often involve multiple liable parties: the driver, vehicle owner, Turo itself, and potentially mechanics who serviced the vehicle. Houston juries have awarded substantial verdicts in negligent entrustment cases where owners rented to unqualified drivers. Average settlements range $20,000-$300,000+ depending on injury severity and liability clarity.