What Happens if You Crash a Turo Rental Car?

What is Turo Car Rental?

Turo is a car rental service that allows people to rent out their vehicles for established amounts of time. It works on an app that allows renters and car owners to connect and schedule rental services in various communities. Think of Turo as something like an Airbnb for car rental.

Car rental can quickly eat up your vacation budget, but Turo allows for competitive pricing, and, in some cases, a larger selection of vehicles to fit your needs. However, while planning your vacation, you may want to consider the unthinkable. What happens if you crash a Turo rental car? Luckily, Turo has thought of that too.

In The Article

How Do Protection Plans Work with Turo?

Turo Protection Plans for Renters

When selecting the car you want to rent on Turo, you will be offered a protection plan. They offer three different protection plans, including:

• Premier
• Standard
• Minimum

According to the Turo website, “If you don’t choose a protection plan, you’ll be relying solely on your own applicable personal insurance coverage to cover loss or damage to the host’s vehicle.” This means you will have full financial liability for anything that relates to the car.

In addition to Turo protection plans, Travelers Excess and Surplus Lines Company covers liability insurance up to the state minimum limits.

While Turo does not require renters to hold car insurance in New Mexico, if you do have car insurance, be sure to check with your carrier on potential coverage you may have when renting a car with Turo. Simply ask your insurance provider if you have peer-to-peer car sharing coverage to ensure that you are protected.

Insurance and Protection Plans for Turo Hosts

If you choose to become a host with Turo, you will have the third-party liability coverage through Travelers. However, there are different plans you can choose that vary based on the amount you earn from a trip and the amount of coverage you have for your vehicle.
The plans include:

1. More Peace of Mind Plan, that allows hosts to earn 70% of the trip price with only $250 of damage liability, and up to $750,000 in coverage.

1. Balanced Plan, that allows hosts to earn 80% of the trip price with $1,500 of damage liability, and up to $750,000 in coverage.

1. More Earnings Plan, that allows hosts to earn 90% of the trip price with $2,750 of damage liability, and up to $750,000 in coverage.

While the “More Earnings Plan” may seem like the best way for hosts to make money, it’s important to consider that if someone wrecks a Turo car, the hosts have to pay $2,750 out of pocket

What Happens if I Crash a Turo in New Mexico?

Getting into a wreck in a Turo car can lead to out-of-pocket costs, even if you aren’t at-fault, and Turo determines those costs based on:

• The amount of damage
• If your personal car insurance covers anything
• The protection plan you choose

Turo will do a full investigation to determine the full amount you’ll have to pay out of pocket.

While this may seem convenient, there could be greater issues at play. The minimum protection plan for Turo holds drivers responsible for up to $3,000.
Should you get into an car accident in a Turo car and that wreck wasn’t your fault, several layers of insurance companies and bills might start pouring in. In addition, you may find yourself being called by the at-fault party’s insurance company. As the layers and layers pile up, you may be faced with a lot of confusing information and have to make decisions, all while you’re trying to heal from the car wreck.

That’s where an experienced New Mexico car accident lawyer can help.

How Can the Car Accident Lawyers at Ron Bell Help Me After a Turo Crash?

With your personal insurance, the liability insurance from Travelers that Turo offers, and additional insurance policies from different parties involved in the wreck, the experienced car crash attorneys at Ron Bell can help you sort through the paperwork while you focus on your physical and mental recovery from the crash. Investigative teams can work to determine who was at fault for the wreck, which could potentially save you a lot of money. On top of that, if it was determined that the wreck wasn’t your fault, our experienced car accident lawyers can fight to get you the compensation you deserve. If you crashed a Turo rental, contact Ron Bell Injury Lawyers today. 898-BELL