Accident Claims

Turo third-party auto liability insurance is purchased through Turo and includes coverage for renters/guests under a third-party automobile liability insurance policy purchased from Liberty Surplus Lines, a Liberty Mutual Group company Said Liberty Mutual Policy provides guests with insurance coverage while they are driving the rented vehicle during the booked trip. The following covers information regarding Turo's California peer-to-peer car rental insurance coverage.

Turo's Insurance Coverage for Bodily Injury and Property Damage to Third Parties

According to the Turo website, Turo's insurance coverage for bodily injury and property damage to 3rd parties is as follows:

• Bodily injury and property damage to third parties:
• • The Liberty Mutual Policy insures guests against liability to third-parties for bodily injury and property damage resulting from the use of the booked vehicle during the booked trip, up to the minimum liability coverage required by state law. This coverage cannot be declined. Note, however, that it does not apply to vehicles that are booked on Turo from a Commercial Host.
  • If the renter of the vehicle selects the Supreme or Premium plan, the limits of the coverage provided under the Liberty Mutual Policy are increased to a combined single limit of $1,000,000.

Turo's Uninsured or Underinsured Motorist (“UM/UIM") Insurance Coverage

According to the Turo website, Turo's insurance uninsured or underinsured Motorist (“UM/UIM") insurance coverage is as follows:

• The Liberty Mutual Policy includes the statutory minimum amount of UM/UIM coverage in those few states where UM/UIM coverage is required by law and cannot be waived.  
• UM/UIM coverage, when available, protects guests and passengers from losses resulting from bodily injury caused by an uninsured driver, hit and run driver, a driver whose limits of liability have been exhausted, or a driver whose insurer is insolvent while in the booked vehicle during the booked trip.  
• Turo has either waived this coverage entirely or subscribed to the lowest limit allowable by state law.  Hosts and guests are bound by Turo’s election and, in addition, agree to be bound by that election pursuant to the Terms of Service.  

Physical Damage to Shared Vehicle Using Turo

Protection plans made available by Turo also address the renters liability for any damage to the booked vehicle which may occur during the booked trip.

Turo Renters Responsible for Physical Damages of Booked Vehicle

The person who rents out a car using Turo is responsible to return the booked vehicle on time and in the same condition as when they first received it. The renter is held financially responsible for all physical damage to the booked vehicle, as well as related costs, if any. If, for instance, there is physical damage to the booked vehicle during the period of the booked trip, the renter will be legally liable for the costs of repair, plus related costs, if any. If there is physical damage to the rented vehicle and the cost of repair exceeds 75% of the actual cash value of the vehicle, the renter will be legally liable for the actual cash value of the booked vehicle, plus related costs, minus the salvage value, if any.

Los Angeles Turo Accident and Insurance Lawyer

If you were involved in an peer-to-peer sharing auto accident in California we invite you to hire our dedicated Los Angeles Turo accident and insurance lawyer today. Our skilled accident attorneys leverage their considerable experience into obtaining significant settlements from insurance companies who are known for being reluctant to pay out on claims. You can rely on our experienced lawyer to carefully analyze the facts of your case to prove the facts necessary. To schedule a free consultation with one of our peer-to-peer sharing app lawyers, call Kaass law today at (310) 943-1171 or send us an email through our online appointment form.

KAASS Law fights hard to help victims involved in Uber and Lyft accidents, including both drivers and passengers, as well as third-party drivers and pedestrians who were injured, to get the compensation they deserve.

California Uber/Lyft Liability Insurance

Under California law, Transportation Network Companies, including Uber and Lyft, must provide primary third-party liability insurance. They must maintain $200,000 of excess liability coverage during "Period 1". Period 1 occurs when the Uber or Lyft app is on but still waiting for a passenger. Therefore, you’ll still want rideshare insurance to cover you during Period 1 when your App is on driver mode. Period 2 Match Notification begins when you accept a ride request, as such Auto Liability Coverage and Uninsured/Underinsured Motorist Coverage, as well as Contingent Collision and Comprehensive Coverage, is in effect. Likewise, during period 3, when you're dropping off your passenger(s), the same coverage applies.

Period 1: Lyft Third Party Auto Liability

Motorcycles are more likely to get into accidents than any other motor vehicle. According to the Insurance Information Institute, in 2015, there were 88,000 motorcycle accidents injuries. In motorcycle accidents, knowing your options as a passenger on a motorcycle involved in an accident is important. It is critical for the rider of a motorcycle to have proper motorcycle insurance. Most biker clubs have discounts for motorcycle insurance to avoid being denied damages under California Proposition 213.

What Insurance Coverage do Motorcycle Rider's Need Under Proposition 213?

Under California law, riders of motorcycles must have insurance with liability coverage. This means that the passengers in a motorcycle accident would have coverage for property damage and bodily injury caused by the rider. This coverage does not cover the damages of the rider unless it has comprehensive coverage, usually coverage for property damages only. Thus, if a rider is at-fault and has liability and comprehensive insurance coverage, then the rider's insurance will cover passengers' personal injuries and rider's property damages only. Coverage.  This coverage applies when the rider is not-at-fault and the at-fault opposing driver's coverage is nonexistent or insufficient.  In this scenario, the rider and the passenger can make a claim for injuries towards the rider's (in case of no coverage) or (in case of insufficient coverage) motorist coverage. Are you wondering about ? The rider's insurance company will cover for medical expenses irrespective of fault up to the Medical Payments coverage limit, which is usually anywhere from $1000-$10,000.

A motorist always has a duty of care to prevent pedestrian injury, regardless of whether the pedestrian stepped in front of your car at the last second. If the driver accidentally hit a pedestrian in California, he must realize that he is at fault for the accident. In general, a motorist should always be entirely focused on the road and can stop in time to avoid colliding with a pedestrian. However, suppose a pedestrian steps directly in front of a motorist, and there is no way for the driver to avoid hitting them. In that case, the pedestrian can absolve themself of responsibility for a pedestrian accident.

California Pedestrian Right-Of-Way Laws

• A driver can't drive on a sidewalk unless required to cross a street.
• A pedestrian always has the right of way in a designated or undesignated crosswalk.
• When a blind person waves his cane in the direction of a crossing, the driver must stop. When he pulls the club back, he tells the driver to go ahead.
• A car must stop at least 5 feet from a crosswalk to allow the pedestrian to cross safely.
• The driver must slow down whenever a vehicle approaches a junction and be prepared to stop.