If you’ve been injured in a crash involving a Turo rental, or a similar peer-to-peer car sharing platform like Getaround, the answer to “who pays?” depends on several factors: whether you were the guest (renter), the host (vehicle owner), or a third party hit by a Turo vehicle. Unlike traditional rental car accidents, Turo crashes involve layered insurance structures, potential coverage gaps, and Nevada-specific regulations that can make or break your claim.
Here’s the short version: Turo provides liability insurance through Travelers Excess and Surplus Lines Company with coverage up to $750,000 during the rental period. But that coverage interacts with the host’s personal insurance, the guest’s personal insurance, and Nevada law in ways that can leave injured people fighting multiple companies at once. Whether you can recover, and from whom, depends on who was at fault, what protection plans were selected, and whether personal auto policies exclude peer-to-peer sharing.
Las Vegas is one of Turo’s highest-volume markets. Tourists rent Turo vehicles constantly for everything from Strip transportation to day trips to the Grand Canyon, Hoover Dam, and Red Rock Canyon. The combination of unfamiliar roads, high-speed highways, and out-of-state drivers makes Turo crashes in the Las Vegas area a growing category of personal injury claims.
This guide breaks down the insurance layers, identifies the coverage gaps, and explains your legal options under Nevada law. Whether your situation involves Turo specifically, Getaround, or another peer-to-peer platform, the core liability principles are similar.
How Does Turo’s Insurance Work?
Turo is not a rental car company. It operates as a peer-to-peer car sharing platform where individual vehicle owners (hosts) list their cars for short-term rental by guests. This distinction matters because it affects how insurance coverage applies.
Nevada specifically regulates peer-to-peer car sharing programs under NRS Chapter 482C, which took effect October 1, 2021. Under this law, Turo must be licensed through the Nevada DMV and must ensure that both the host and the guest are covered by liability insurance during every car sharing period (NRS 482C.255).
What Are Turo’s Host Protection Plans?
Turo hosts choose from five protection plans (60, 75, 80, 85, and 90), named for the percentage of the trip price the host keeps. All plans include up to $750,000 in third-party liability insurance from Travelers, plus varying levels of physical damage reimbursement for the host’s vehicle. The key differences are in deductible amounts:
- 60 plan: $0 deductible (host keeps 60% of trip price)
- 75 plan: $250 deductible (host keeps 75%)
- 80 plan: $750 deductible (host keeps 80%)
- 85 plan: $1,500 deductible (host keeps 85%)
- 90 plan: $2,500 deductible (host keeps 90%)
A critical detail: Turo’s physical damage reimbursement for hosts is not insurance. Turo explicitly states it is a contractual allocation of risk, not an insurance product. This distinction can affect how disputes are resolved and what regulatory protections apply.
Note: Turo updated its protection plans effective January 7, 2026. The core tier names and deductible structure remain the same, but earnings percentages and certain supplemental benefits may have changed. Verify current plan details on Turo’s website before relying on specific terms.
What Are Turo’s Guest Protection Plans?
Guests can choose from three protection plans or decline protection entirely:
- Premier: Guest pays $0 for physical damage to the host’s vehicle (excluding mechanical and interior damage). Costs 65-100% of the trip price, minimum $14/day.
- Standard: Guest’s responsibility capped at $500 for physical damage.
- Minimum: Guest’s responsibility capped at $3,000 for physical damage.
- Decline: Guest assumes full financial responsibility for all vehicle damage or loss.
All guest trips include liability insurance through Travelers regardless of which plan is selected or declined. However, if a guest declines protection, their maximum financial exposure for vehicle damage alone could reach the full repair or replacement cost of the host’s car.
Does Your Personal Auto Insurance Cover Turo Rentals?
Here’s where Turo crashes get complicated. Most personal auto insurance policies exclude coverage when a vehicle is used in a peer-to-peer car sharing program.
Nevada law explicitly allows this. Under NRS 482C.265, an authorized insurer in Nevada may exclude all coverage for a shared vehicle, including liability, personal injury protection, uninsured/underinsured motorist coverage, medical payments, comprehensive, and collision damage.
This creates a scenario where:
For hosts: Your personal auto insurance likely does not cover your vehicle while it’s rented through Turo. As Turo’s own documentation states, “your personal insurance likely has an exclusion that voids coverage when you share your car in a peer-to-peer car sharing marketplace.” If a guest damages your car and you chose a high-deductible Turo plan, you may be out of pocket for significant repair costs.
For guests: Your personal auto insurance may deny a claim if you’re involved in a crash while driving a Turo vehicle. Some insurers treat peer-to-peer rentals differently than traditional rental cars. If you declined Turo’s protection plan and your personal insurer denies coverage, you could face personal liability for all damages to the host’s vehicle, other vehicles, and injuries.
For third parties hit by a Turo vehicle: You may need to navigate claims against multiple insurance policies, including the guest’s personal insurance (which may deny coverage), Turo’s Travelers policy, and potentially the host, depending on the circumstances. If the at-fault driver’s personal insurance and Turo’s coverage are both insufficient, your own uninsured/underinsured motorist (UM/UIM) coverage may be your most important safety net.
Who Pays After a Turo Accident?
What If You’re the Guest and You Caused the Crash?
Your liability path depends on what protection you purchased:
With a Turo protection plan: The Travelers liability policy covers third-party bodily injury and property damage up to $750,000. Your out-of-pocket for damage to the host’s car depends on your plan tier ($0 for Premier, $500 for Standard, $3,000 for Minimum). Medical bills, lost wages, and other personal injury damages you suffer may not be covered by Turo’s plans.
Without a Turo protection plan: Turo’s liability insurance still applies for third-party claims, but you bear full financial responsibility for damage to the host’s vehicle. If your personal auto insurer denies the claim due to a peer-to-peer exclusion, you’re personally exposed.
What If You’re the Guest and Someone Else Caused the Crash?
File a claim against the at-fault driver’s liability insurance, just as you would in any other car accident. If the at-fault driver is uninsured or underinsured, this is where Turo’s coverage structure gets thin. Check whether Turo’s plan or your personal policy provides uninsured/underinsured motorist (UM/UIM) coverage.
Nevada law requires insurers to offer UM/UIM coverage in an amount equal to the insured’s bodily injury liability limits (NRS 687B.145), and personal auto policies must include UM/UIM unless the policyholder has explicitly rejected it in writing (NRS 690B.020). However, these requirements apply to personal auto policies, and the interaction with Turo’s commercial policy can create confusion about which policy provides primary UM/UIM protection.
What If You’re the Host and Your Car Was Damaged?
Your recovery depends on:
- The guest’s Turo protection plan: This determines the guest’s deductible. You file a damage claim through Turo’s resolution process.
- Your Turo host protection plan: This determines your deductible for reimbursement above what the guest owes.
- Your personal insurance: Likely excludes peer-to-peer sharing, per NRS 482C.265.
Hosts must document vehicle condition with photos before and after every trip and report damage through Turo’s resolution center within 24 hours of trip end. Failure to follow this process can result in denied reimbursement.
What If You Were Hit by a Turo Vehicle?
This is often the most complex scenario. As a person injured by a Turo vehicle you did not rent:
- File against the at-fault driver’s personal insurance first. The driver’s personal insurer may deny the claim, citing the peer-to-peer sharing exclusion.
- File against Turo’s Travelers policy. If the driver’s personal insurance denies coverage, Turo’s liability insurance should respond. Under Nevada law, the insurance used to satisfy the requirements of NRS 482C.255 “must provide primary insurance during each car sharing period.”
- Evaluate the host’s potential liability. Under NRS 482C.255, the peer-to-peer car sharing program assumes the host’s tort liability during the sharing period, up to $50,000/$100,000/$20,000 (bodily injury per person/bodily injury per accident/property damage). The bodily injury limits are double Nevada’s standard minimum insurance requirements under NRS 485.185, which require $25,000/$50,000/$20,000, though the property damage limit is the same under both statutes.
Note: The federal Graves Amendment (49 U.S.C. § 30106) generally shields vehicle rental businesses from vicarious liability for their renters’ negligence. Nevada’s NRS 482C.275 acknowledges this by stating the chapter does not impose liability inconsistent with this federal law. However, the Graves Amendment does not protect against claims based on the platform’s or host’s own negligence (for example, renting a vehicle with known mechanical defects or failing to address a safety recall).
How Does Nevada’s Comparative Negligence Rule Apply to Turo Crashes?
Nevada follows a modified comparative negligence system under NRS 41.141. You can recover damages as long as your fault does not exceed 50%. If you’re found 50% or less at fault, your recovery is reduced by your percentage of fault. If you’re more than 50% at fault, you recover nothing.
In a Turo crash, fault can be split among multiple parties: the guest driving the vehicle, a third-party driver, the host (if the vehicle had a known defect), and potentially Turo itself (if the platform failed to verify safety recalls as required by NRS 482C.340). You can check whether a specific vehicle has open recalls through the NHTSA recall lookup tool. With multiple defendants, each party’s individual negligence is assessed separately, and liability is several (not joint), meaning each defendant pays only their proportional share.
Consider a hypothetical scenario: A guest driving a Turo rental runs a red light and hits another vehicle. The investigation reveals the Turo vehicle had a pending safety recall that affected braking performance, which the host failed to address. In this scenario, fault could potentially be allocated among the guest (for running the light), the host (for failing to address the recall), and potentially Turo (if the platform failed to verify recall status as required by Nevada law). Liability, and the resulting compensation, would depend on the specific facts and evidence. This is a hypothetical example for illustrative purposes only. Actual case outcomes depend on the specific facts and circumstances of each case.
What Compensation May Be Available After a Turo Crash?
The types of compensation you may be able to recover depend on the severity of your injuries, who was at fault, and which insurance policies respond. Potential categories of damages in Turo accident cases may include:
- Medical expenses: Emergency treatment, hospitalization, surgery, physical therapy, and ongoing care related to crash injuries. This includes treatment in Nevada and follow-up care in your home state if you are a visitor.
- Lost wages and earning capacity: Income lost during recovery, including time missed for medical appointments and legal proceedings. If injuries are long-term, reduced ability to earn may also be recoverable.
- Pain and suffering: Physical pain, emotional distress, anxiety, and loss of enjoyment of life resulting from the crash and your injuries.
- Vehicle damage: Repair or replacement costs for your vehicle if you were a third party hit by a Turo vehicle, or for the host’s vehicle if you were the host.
- Rental car and transportation costs: If your vehicle was damaged or destroyed, the cost of alternative transportation during repair or replacement.
- Out-of-pocket expenses: Costs directly related to the crash, including travel for medical treatment, medical equipment, and other documented expenses.
The source of compensation depends on the coverage path: the at-fault driver’s personal insurance, Turo’s Travelers liability policy, the host’s coverage, or your own UM/UIM policy. In cases where multiple policies apply, an attorney can help determine the order and priority of coverage to maximize your recovery.
Do You Have a Valid Turo Accident Claim?
Whether you can recover compensation after a Turo crash depends on several elements:
What Makes a Turo Accident Claim Stronger?
- Clear fault on another party. Dashcam footage, witness statements, police reports, and accident reconstruction evidence establishing the other party’s negligence.
- Documented injuries with prompt medical treatment. Medical records showing you sought treatment within 24-48 hours of the crash, along with consistent follow-up care.
- Preserved evidence of the Turo booking. Screenshots of the reservation details, protection plan selected, trip start/end times, and pre/post-trip vehicle photos.
- The at-fault party had active insurance or Turo protection. Confirmed liability coverage through either personal auto insurance or Turo’s Travelers policy.
- Compliance with Turo’s reporting requirements. Accidents reported through the Turo app or website within 24 hours, with proper documentation.
What Can Weaken Your Turo Accident Claim?
- Personal insurance exclusions for peer-to-peer sharing. If you relied on personal insurance that excludes Turo use, you may have a coverage gap for your own damages.
- Declined Turo protection as a guest. Full financial exposure for the host’s vehicle damage, plus potential difficulty recovering your own losses.
- Delayed reporting. Failing to report to Turo within 24 hours or waiting to seek medical attention can weaken your position.
- Shared fault. Under Nevada’s comparative negligence rules, any fault attributed to you reduces your recovery proportionally.
- Disputes over whether the crash occurred during the “car sharing period.” Coverage only applies during Turo’s defined sharing period. If the crash happened outside that window (for example, after the trip officially ended), coverage disputes can arise.
What Evidence Should You Collect After a Turo Crash?
Evidence preservation in Turo accidents requires steps beyond a typical car crash:
At the scene:
- Call 911 and get a police report
- Document the crash with photos and video from multiple angles
- Exchange information with all drivers involved
- Note whether the vehicle had any visible pre-existing damage or mechanical issues
- Get contact information from witnesses
Within 24 hours:
- Report the accident through Turo’s app or website (required for coverage eligibility)
- Seek medical evaluation even if injuries seem minor
- Screenshot your Turo reservation details, including protection plan selected, trip times, and vehicle information
- Screenshot pre-trip and post-trip vehicle photos from the Turo app
- Contact your personal auto insurance company to report the incident (even if you expect a denial, failing to report can affect your rights)
Preserve ongoing records:
- All medical records and bills related to injuries from the crash
- Correspondence with Turo’s claims team
- Correspondence with any insurance company (personal, Turo’s Travelers, or the other party’s insurer)
- Documentation of lost wages, including pay stubs and employer verification
- Receipts for any out-of-pocket expenses related to the crash
Do not give a recorded statement to any insurance adjuster, whether from Turo’s insurer, the other driver’s insurer, or your own, without first understanding how it may be used. Insurance adjusters for all parties are evaluating liability, and statements made early can be used to attribute fault to you.
What Are Nevada’s Filing Deadlines for Turo Accident Claims?
Nevada generally requires personal injury claims to be filed within two years of the accident date (NRS 11.190). This deadline applies regardless of whether the crash involved a Turo vehicle or a traditional rental.
Additionally, if the accident involved injury, death, or property damage exceeding $750, Nevada requires the driver to file Form SR-1 with the Nevada DMV within 10 days of the accident (NRS 484E.070).
Missing either deadline can jeopardize your ability to recover compensation.
When Should You Contact an Attorney After a Turo Accident?
Turo accident claims involve multiple potential insurance policies, contractual (not insurance) damage reimbursement agreements, and coverage exclusions that don’t exist in traditional car accident cases. Consider consulting an attorney if:
- Your personal auto insurer denied coverage citing a peer-to-peer sharing exclusion. Understanding how to dispute an insurer’s fault determination can help, but coverage exclusions often require legal intervention.
- Turo’s claims process is delaying or denying your damage claim and you’re unsure of your rights under the Turo agreement.
- You were a third party hit by a Turo vehicle and are getting pushback from multiple insurers about who should pay.
- The crash involved serious injuries requiring ongoing medical treatment, surgery, or time off work.
- Fault is disputed between the guest, host, third party, or platform.
- The at-fault driver was uninsured or underinsured and coverage sources are unclear.
Get Your Turo Crash Claim Evaluated
Turo and peer-to-peer rental accidents create insurance scenarios that standard car accident cases don’t. Between platform-specific protection plans, personal auto policy exclusions, Nevada’s peer-to-peer sharing law, and multi-party liability questions, recovering fair compensation requires understanding how these layers interact.
With 40+ years as a personal injury attorney, Jack Bernstein understands how to navigate complex insurance disputes, including the emerging challenges posed by peer-to-peer car sharing platforms. If you’ve been injured in a Turo crash, or hit by a Turo vehicle, in Las Vegas or anywhere in Nevada, contact Jack Bernstein Injury Lawyers for a free consultation to evaluate your claim: (702) 633-3333.
