What to Do If You’re in a Turo Accident 🚗💥

Getting into an accident with a Turo rental car can be stressful, but knowing the right steps ensures a smoother resolution. Here’s what happens and how to handle it.

Immediate Steps After a Turo Accident

1. Check for Injuries 🚑 – Ensure everyone’s safety and call 911 if needed.
2. Document the Scene 📸 – Take photos of damage, license plates, and the surroundings.
3. Contact Turo & the Owner 📞 – Report the accident via the Turo app immediately.
4. File a Police Report 🚔 – Required in many states for insurance claims.

How Turo’s Insurance Works

Turo offers three protection plans (minimum, standard, premium), each with different deductibles. Here’s how coverage applies:

• Guest’s Responsibility – You may owe a deductible depending on your plan.


• Owner’s Insurance – Some owners have commercial policies that may cover damage.


• Third-Party Claims – If another driver is at fault, their insurance may pay.

Will My Personal Auto Insurance Cover a Turo Accident?

Some policies extend to rentals, but check with your insurer—Turo is peer-to-peer, so coverage varies.

Common FAQs About Turo Accidents

1. Do I Need to Pay for Repairs?

Yes, if you’re at fault, you’ll pay up to your plan’s deductible. Turo handles the rest.

2. What If the Other Driver Is at Fault?

Their insurance should cover damages—file a claim with their provider.

3. Can I Dispute Fault in a Turo Accident?

Yes, provide evidence (photos, witness statements) to Turo’s claims team.

4. Does Turo Cover Towing or Rental Extensions?

Limited coverage applies—review your plan details.

Pro Tips to Avoid Hassles

✔ Choose a Higher Protection Plan – Lowers out-of-pocket costs.
✔ Read the Fine Print – Know your deductible and exclusions.
✔ Use a Credit Card with Rental Coverage – Some cards offer secondary protection.

For official guidance, refer to [Turo’s Accident Help Page](https://support.turo.com/). Stay calm, document everything, and let Turo’s claims process work for you! 🔧🛡️