⚠️ Insurance Information Institute: 67% of Turo users don't understand their coverage—creating major claim complications.
Turo Accident Lawyer: Who Pays When a Turo Car Crashes?
Turo's peer-to-peer rental model creates complex insurance situations that traditional rental companies don't have. When Turo vehicles cause accidents, multiple insurance layers may apply—and gaps are common per Insurance Information Institute research.
Turo's Insurance Structure
- Host's personal policy (often excludes P2P)
- Renter's personal policy (may not cover rentals)
- Turo protection plans (up to $1M liability)
- Your own UM/UIM coverage
Coverage Gap Problems
III research shows 67% of peer-to-peer rental users don't understand their coverage. Common gaps include: host policy exclusions for commercial use, unlisted drivers voiding coverage, and off-road/prohibited use exclusions.
For Accident Victims
If hit BY a Turo rental, pursue: at-fault driver's personal insurance, Turo's third-party liability, host's umbrella policy if any, and your own UM/UIM coverage.
State Filing Locations
File in your local court: Harris County, Texas, Fulton County, Georgia, Cook County, Illinois.
Settlement Ranges
- Minor accidents: $15,000-$50,000
- Moderate injuries: $50,000-$175,000
- Serious injuries: $175,000-$500,000
- Permanent/catastrophic: $500,000-$1M+
✅ Injured in a Turo accident? Call (773) 839-6086 for a free case evaluation.