Turo Car Rental is a peer-to-peer car sharing company that allows private car owners to rent their vehicles online via desktop and mobile interfaces. It has become popular in Las Vegas and other cities that are tourism destinations. Customers pay a daily rental fee that is purportedly less than they would pay at large car rental companies, such as Hertz, Avis, Budget, and National.
If the driver of a car rented through Turo or similar platforms, such as HyreCar, Getaround, and Avail, is involved in an accident that causes injuries, questions may arise as to who is financially responsible for those who have been injured.
Turo car owners are provided third-party liability insurance coverage worth $750,000 and may choose additional coverage for damage to their vehicle. However, the car renter’s own auto insurance will always take precedence over the Turo policy in an accident.
Therefore, if you are injured in an accident caused by a Turo rental car driver, you would first file a claim against the driver’s insurance and then, if necessary, against the Turo accident insurance. Conversely, a Turo car driver who was injured in an accident caused by another motorist should be able to recover compensation from the at-fault driver’s liability insurance.
If you have been injured in a car accident in Las Vegas that involved a car rented privately through Turo or a similar online rental platform, you should contact an experienced Las Vegas auto accident lawyer as soon as possible. The car accident attorneys of Sam & Ash Injury Law know how Nevada law applies to peer-to-peer rental car accidents. We also have extensive experience with car accident claims involving out-of-state drivers. We can work to recover all the compensation available to you after a Turo car accident.
At Sam & Ash Injury Law, we are available 24 hours a day to respond to your questions after a serious car accident. We know that every car accident case is different. We focus on making sure you get the best guidance based on your specific situation.
Contact us now for a free case review. We want What’s Right for you! There is no fee unless we recover money for you through an insurance settlement or a Turo rental car lawsuit.
What To Do Right After a Turo Car Accident in Las Vegas
Because Las Vegas is a popular tourism destination and convention host, rental car accidents are common here. Tourists on vacation and people here for business conventions get into accidents because they are:
There are steps you should take to protect your rights after a car accident. You should exchange your driver’s license, vehicle registration, and insurance information with the other driver. Look at the driver’s vehicle registration card. If it does not bear the driver’s name, ask whether the car is a rental and where it was rented.
Even if the other driver is driving a Turo rental, the driver should provide information about their own auto liability insurance coverage.
Ask about the credit card used for a Turo rental. Because it was an online rental, it had to be purchased with a credit card. Some major credit card companies offer property damage liability coverage when cardholders rent vehicles with their card. This is a potential source of compensation for you. Make it clear that you are not asking for the card number and only want the name of the credit card company. If the driver is uncooperative, bring the issue up with the police officer who responds to the accident and ask for his or her assistance.
Additional steps to take after a car accident include:
- Call 911 to summon police and, if needed, an ambulance.
- Take photos of the vehicles in the accident and any visible injuries you have.
- See a doctor within 24 hours to evaluate your injuries if you are not taken by ambulance to a hospital emergency room.
- Report the accident to your auto insurer within 24 hours.
- Keep all records of your expenses connected to the accident, especially medical bills.
- Contact a car accident attorney. Because this will be a third-party insurance claim that may require you to deal with two insurance companies, it will be more complicated and will offer opportunities for insurers to avoid full payment to you. Sam & Ash Injury Law’s experienced accident attorneys can provide the guidance you need.
Filing a Claim After a Turo Car Accident in Las Vegas
If you have been injured in an accident caused by a Turo rental car driver, your first option is to contact the Turo car driver’s auto liability insurance provider to make a third-party claim. Auto liability insurance pays for medical bills and vehicle damage.
You should file a claim against the third-party liability insurance coverage that Turo provides all drivers and owners of cars rented through the platform.
Drivers who rent a car through the Turo platform are provided liability insurance equal to the state’s minimum requirement. In Nevada, this is $25,000 for bodily injury or death of one person in any one accident; $50,000 for bodily injury or death of two or more persons in any one accident; and $20,000 for injury to or destruction of property of others in any one accident. Vehicle owners who make cars available for rent through Turo are provided liability insurance worth up to $750,000.
When dealing with an insurance company representative, provide only basic information about the accident and your injuries. It is important that you avoid downplaying or exaggerating your injuries.
Do not sign anything provided by an insurance company representative without your attorney’s advice to do so. You could be signing away your rights to seek compensation.
The driver’s insurance company may respond by:
- Paying your claim up to the extent of your losses or the coverage provided, whichever is less
- Denying your claim
- Offering a settlement for less than the full extent of your losses or the coverage provided
Turo’s insurer will wait to see how the driver’s insurance company responds. If that company pays your full claim up to the limits of coverage it has extended the driver, Turo’s coverage should then cover any remaining bodily injury costs you have. Until the driver’s insurance carrier exhausts its coverage in payments to you, Turo’s insurer may claim it is not obligated to you.
In response to a significant claim, an insurer will typically offer a settlement for less than full coverage or your full losses. If you do not find the offer acceptable, you may negotiate for more or file a lawsuit asking the court to compel the payment you demand.
Determining Liability for Turo Accidents in Las Vegas
As your attorneys, Sam & Ash Injury Law will investigate the circumstances of the Turo rental car accident to determine what happened and who was at fault. Such evidence as the police report, statements from you and other witnesses, traffic or security camera footage, data from the vehicles’ black box Event Data Recorder, and other sources can help us determine liability for a car accident.
We also will help you obtain your medical records and calculate your total costs and losses to determine the compensation you may seek.
If the driver of a Turo rental car is responsible for the accident that injured you, we can file a claim on your behalf with all insurance carriers that had provided coverage to the rental car driver and its owner.
Most car accident claims are settled without going to court. However, if an insurance company refuses to agree to a reasonable settlement, we would be prepared to file a lawsuit on your behalf and seek justice for you in a Clark County civil court.
Expected Compensation for a Turo Car Accident in Las Vegas
No two car accident claims are exactly alike. Based on the specific facts of your accident, we can seek the maximum amount of compensation available to you based on your injuries and other losses.
A Turo car accident injury claim in Nevada may seek compensation for:
- Medical bills, including emergency room care, diagnostic tests, hospitalization, surgery, follow-up doctor visits, medication, and rehabilitation therapy
- Vehicle repair or replacement costs
- Long-term care needs and costs of anticipated treatment
- Lost income caused by missed work due to injuries
- Reduced earning capacity if you cannot work the same job or make the same income as before the car accident
- Pain and suffering
Nevada personal injury law is based on a modified comparative negligence doctrine. Accident victims are entitled to compensation as long as they are no more than 50 percent at fault for the accident. If you are partly responsible for the accident, any compensation you are awarded by a jury would be reduced by the percentage of fault assigned to you.
For example, if you are found to be 10 percent at fault for a collision with a Turo rental, a jury award of $100,000 would be reduced by $10,000. While this rule is not formally applied in settlement negotiations, any negligence on your part that contributed to the accident could affect your settlement.
As your attorneys, we can rebut any false claims against you and seek to minimize the impact of any fault on your part. Ash Watkins is a former insurance defense attorney. She knows how to counter the tactics insurers use to avoid paying you what you deserve.
Schedule a Free Case Review With Our Experienced Turo Car Accident Attorneys
After a car accident involving a vehicle rented through the Turo rental platform or other similar platforms, don’t try to take on the complexities of a car accident claim by yourself. An attorney at Sam & Ash Injury Law in Las Vegas, NV can help you pursue just compensation. Let us take on the insurance companies while you focus on your medical care and recovery.
If you have questions about a car accident in Las Vegas that involved a car rented through the Turo, HyreCar, Getaround, or Avail platform or another online rental service, turn to Sam & Ash Injury Law for assistance. Our attorneys are ready to help you get What’s Right. Contact us for a free case review or call us at (877) 658-9951. We are available 24 hours a day, 7 days a week to give you the help you deserve.