A month ago, a woman rear ended me and left some nasty dents in my trunk. She was driving a Turo rental and I guessed her and her boyfriend denied coverage. I also found out she wasn’t even authorized to drive it (I assume only her boyfriend was). The insurance connected to Turo won’t cover the damage as a result, and neither will my insurance (probably because I picked the minimum coverage). I don’t know what to do now. Do I go to the woman and her boyfriend directly? Do I bug the company some more to try and get them to pay for the damage?
Woman rear-ended me while driving a Turo car without coverage. What do I do?
byu/iFaolan inInsurance
Posted by iFaolan
4 Comments
If she wasn’t the authorized driver for Turo, then Turo is not required to pay you out. It looks like you only bought liability and not Collision on your insurance, so your own insurance will not assist you. Your only option is to take the driver to small claims court, pay a small fee for court. If she doesn’t have any money, you would have to ask to garnish her wage.
See if she has liability coverage that will cover her. And you always have an option to sue her.
You’re pretty much SOL.
You can repair out of pocket and try to sue her to recover the costs. Suing her could cost more than it’s worth, and even if you win, good luck collecting.
This is exactly why you want to have coverage on your vehicle.
If there’s no insurance to pay, then yes, you need to sue her and the bf in small claims court. You should also ensure neither her nor the bf have their own insurance.
Turo should provide minimum coverage even if the renter didn’t purchase insurance, but if she wasn’t authorized to drive the car, then no coverage may be required to be provided to her.
If they’ve issued a denial letter, you can take that to mean there’s no coverage. It’s not your position to dispute that, if the renter believes they are entitled to coverage, they can dispute that themselves.