What is Turo?
Turo is one of the most recent entries in what is coming to be known as “the sharing economy.” Described as “Airbnb for cars,” it allows car owners to rent their cars out to others via a person-to-person rental arrangement. Here’s how it works:
- First, a user creates an account with the service
- The user then enters their travel dates and location in the Turo smartphone app and searches Turo’s large database of locally-owned cars
- Once the user finds a car they want, they book it, which the owner of the car can either confirm or decline.
- Then, owner and renter meet to pick the car up, or the owner might deliver the car to the renter
- At the end of the trip, the user is expected to replace the gas they use and meet the owner to drop off the car
Turo offers several advantages over traditional rental car companies. First, it allows the user to select the exact car that they want rather than the car being chosen for them by the company. Second, renting a car from Turo can be considerably cheaper than renting a car from a traditional rental company, depending on the make and model of the car. Third, it’s convenient—the entire transaction occurs inside a smartphone app and there are no third parties to deal with.
However, there are disadvantages with this system. For example, if you crash a Turo car, you will most likely have to incur the wrath of the car’s owner rather than dealing with a disinterested customer service representative. And who is liable for any accidents that may occur during the rental period? Below, we’ll take a look at how liability for Turo car accidents work and go over some of the types of accidents you could get into while using the service.
Who is Liable for Turo Accidents?
Turo handles liability for accidents by offering insurance plans to both owners and renters.
Turo offers owner insurance in three tiers: premium, standard, and basic. All three plans offer liability insurance, with a million dollars in liability coverage. “Wear and tear” is defined as any small dings, dents or scratches that are less than three inches in diameter. There is no deductible requirement for the premium and standard plans, while the basic plan requires a deductible of up to $3,000. When it comes to actual insurance payments, Turo will pay the full repair cost up to the cash value of the car, or a limit of $125,000. The owner the car is also free to take their cars to whichever repair shop they’d like.
Turo also offers insurance plans to renters using a system that is very similar to its insurance scheme for owners. There are three tiers: premium, basic, and “decline coverage.” The premium package protects the renter with a million dollars in liability coverage, while the basic package provides state minimum liability coverage. Turo allows renters to decline coverage because many people already have personal insurance policies that cover them when they are renting a car. If, during the rental, the inside of the car is damaged or if there is any mechanical damaged outside of normal wear and tear, the renter is liable for the full cost of the repairs or replacement and any related costs.
Types of Accidents You Could Have in a Turo Rental
Because you are driving someone else’s personal vehicle when you rent a Turo rather than one of the millions of vehicles owned by a faceless corporation, you should use extra care when you use the service. However, accidents happen even to the most careful drivers. Below are a few types of accidents you could potentially be involved with while driving a Turo car.
- Front impact crashes: Also known as head-on collisions, frontal impact crashes occur when one vehicle drives head-first into another object, which can include oncoming automobiles. The most common injuries associated with these types of accidents are head, neck, back, spine, and rib injuries. Injuries from frontal impact crashes can often be worse than those involved in other crashes because, often, the occupants of the vehicle see the obstacle approaching and brace for impact, which is often associated with more severe injury.
- Sideswipe collisions: Sideswipe collisions occur when one vehicle gets too close to a neighboring vehicle and the sides of the cars touch. These types of accidents occur most often on major interstate highways where the at-fault driver fails to check his or her blind spot before changing lanes or merges onto the highway improperly. Injuries in sideswipe accidents tend to be fairly minor as long as both drivers retain control of their vehicles. However, the original sideswipe accident can often cause a chain reaction wherein the vehicle who is hit then veers into another lane, possibly leading to a multi-vehicle accident.
- Multi-vehicle collisions: A multi-vehicle collision (also known as a “pile-up”) occur when at least three cars are involved in the same collision and occur most often on busy roads, highways, and freeways in urban areas. Unfortunately, multi-vehicle automobile accidents are becoming quite common. As of 2015, the percentage for this type of occurrence was almost 50 percent of all collisions when compared to single-vehicle accidents. Considering how much metal is involved in these types of accidents, they have the potential to be deadly.
- Getting hit by an Uber: Even though Uber is a ride-for-hire service, Uber drivers are not professional drivers and are just as likely to get into accidents as anybody else. If you get hit by an Uber driver while you are driving a Turo vehicle, you will need to contact both Turo and Uber. Once you have reported the accident to Uber, you will be contacted by an Uber employee and a representative from their insurance company to determine exactly what happened and work out coverage amounts. If you are injured in the accident, your injuries should be covered either by Uber’s insurance policy, your own policy, or a policy you selected from Turo. However, be aware that Uber’s insurance only covers their drivers while they are actively driving for the service. If you are hit by an off-duty Uber driver, any liability issues will have to be handled by the driver’s personal insurance policy.
Contact a Toro and Uber Car Accident Attorney
If you were in an accident with a ridesharing driver, speak with an experienced Uber and Toro car accident attorney. Call Uber Car Accident Law today at (305) 964-8806 or contact our office online.