Turo Accident Settlement Amounts

Turo accident settlements depend on injury severity, available coverage, and liability clarity. With Turo's up to $1M liability coverage during active rentals per III documentation, substantial recoveries are possible—but coverage gaps require careful navigation.

Factors Affecting Settlement Value

• Injury severity and medical costs
• Available insurance coverage
• Whether driver was on active rental
• Protection level selected by renter
• Host's personal coverage status
• Your own UM/UIM limits

Settlement Ranges by Injury

• Soft tissue/whiplash: $10,000-$40,000
• Moderate injuries: $40,000-$125,000
• Fractures with treatment: $75,000-$200,000
• Surgical cases: $150,000-$400,000
• Serious/permanent injuries: $400,000-$1M+
• Catastrophic injuries: May exceed Turo limits

Coverage Stacking

Maximum recovery often requires pursuing multiple sources: Turo's liability protection (up to $1M), driver's personal auto insurance, host's umbrella or excess policy, and your own UM/UIM coverage.

When Limits Are Insufficient

For catastrophic injuries exceeding available coverage: pursue driver's personal assets, investigate host's financial resources, and file bad faith claims if coverage is wrongly denied.

Settlement Timeline

Turo claims typically take longer than traditional accident claims due to: multiple insurance layers requiring coordination, coverage disputes between policies, and Turo's claims process adding steps.

Challenges Unique to Turo Claims

• Determining active rental status
• Identifying applicable coverage
• Host vs. Turo responsibility disputes
• Personal policy exclusions
• Multiple deductibles stacking