Shreveport
Turo Accident Lawyer

Were You Injured in a Turo Accident?

Rideshare trips should be simple—get in, get where you’re going, and get on with your day. But when an accident happens in a Turo vehicle, things get complicated fast. Now, you’re dealing with multiple insurance companies, unclear liability, and unexpected expenses.

That’s where an experienced Shreveport Turo accident lawyer steps in. At the Law Office of Heather C. Ford, we know the ins and outs of Turo’s policies and the legal protections you deserve as a passenger or driver.

Let us cut through the red tape and fight for the compensation you need to get back on track without the hassle.

How Turo’s Insurance Policies Work

One of the key differences between Turo accidents and traditional car accidents is the insurance. When you rent a vehicle through Turo, there are several layers of insurance that may apply.

Turo’s Protection Plans

Turo offers different protection plans for car owners:

• 60 Plan: Up to $750,000 in third-party liability insurance, with Turo covering 100% of eligible damage costs (no deductible).
• 75 Plan: Up to $750,000 in third-party liability insurance, with Turo covering 100% of eligible damage costs above a $250 deductible.
• 80 Plan: Up to $750,000 in third-party liability insurance, with Turo covering 100% of eligible damage costs above a $750 deductible.
• 85 Plan: Up to $750,000 in third-party liability insurance, with Turo covering 100% of eligible damage costs above a $1,625 deductible.
• 90 Plan: Up to $750,000 in third-party liability insurance, with Turo covering 100% of eligible damage costs above a $2,500 deductible.

All plans include the third-party liability insurance coverage, but the deductible and level of damage coverage vary based on the plan.

Insurance for Renters

For renters, Turo offers three different protection plans:

Premier Plan

• No out-of-pocket costs for reported physical damage (excludes interior/mechanical damage).
• Third-party liability insurance is secondary (excess) except in New York (primary with $1,250,000 limit) and Maryland (primary under certain conditions).
• Offers limited Personal Injury Protection (PIP) and Uninsured/Underinsured Motorist (UM/UIM) coverage where required.

Standard Plan

• Out-of-pocket cost for physical damage is capped at $500 (excluding interior/mechanical damage).
• Third-party liability coverage up to the minimum state requirement, with secondary (excess) coverage under Travelers policy.

Minimum Plan

• Physical damage cost cap of $3,000, or $500 if minor (non-drivable damage results in full $3,000 cap).
• Secondary third-party liability insurance as outlined by Travelers, with state minimum limits.

Renters can also choose to decline Turo’s protection and rely on their own personal auto insurance.

Complexities and Gaps

While these insurance options may seem comprehensive, there are often complexities and gaps in coverage. For example:

• Turo’s insurance may only apply after the car owner’s or renter’s personal insurance has been exhausted.
• Certain types of vehicles or uses may be excluded from coverage.
• There may be disputes between Turo and personal insurance companies over who is primarily responsible for coverage.
• Injuries to third parties may involve multiple layers of insurance.

Jumping through all of the insurance hoops after an accident can be overwhelming, especially while dealing with the stress and trauma of an injury. That’s where having a Shreveport Turo accident attorney can make all the difference.

Determining Liability in a Turo Accident

Another challenge in Turo accident cases is determining who is liable for the crash. Depending on the circumstances, multiple parties may share fault, including:

• The Turo renter: If the person who rented the car caused the accident through their negligent actions, such as speeding or distracted driving, they may be personally liable.
• The Turo car owner: In some cases, the owner of the Turo vehicle may be liable if they negligently entrusted their car to an unsafe driver or failed to properly maintain the vehicle.
• Turo: The company itself may bear some responsibility if it was negligent in its screening of renters or owners, or if its insurance policies were deceptive or inadequate.
• Other drivers: If another motorist’s negligence contributed to the accident, they may share liability.

Proving liability often requires in-depth investigation and strong evidence. Our Shreveport Turo accident lawyers know how to gather and preserve critical evidence, reconstruct accident scenes, and build compelling cases that demonstrate the full extent of the defendant’s fault.

Damages Available in a Shreveport Turo Accident Claim

If you were injured in a Turo accident in Shreveport, you may be entitled to compensation for a wide range of damages, including:

• Medical expenses
• Lost wages
• Property damage
• Pain and suffering
• Emotional distress
• Disability or disfigurement
• Loss of enjoyment of life

In tragic cases where a Turo accident results in a fatality, the surviving family members may also be able to recover damages through a wrongful death claim.

The specific damages available in your case will depend on the unique facts and circumstances involved. Our attorneys will thoroughly assess your losses and fight for every dollar you’re owed.

Steps to Take After a Turo Accident

If you’re involved in an accident with a Turo vehicle in Shreveport, the actions you take can significantly impact your health and your legal claim. Here are some key steps to follow:

1. Prioritize your health: Seek medical attention immediately, even if you don’t think you’re seriously hurt. Some injuries may not be apparent right away.
2. Call the police: Dial 911 to report the accident. The police report can be valuable evidence.
3. Document the scene: If you’re able, take photos of the damage, injuries, and the surrounding area. Get contact information for any witnesses.
4. Notify Turo: Report the accident to Turo through their app or customer support line.
5. Contact a Shreveport Turo accident lawyer: Before you give any statements to insurance companies, consult with an attorney who can protect your rights.

Remember, insurance companies are looking out for their own interests. You need a dedicated advocate fighting for yours.

Get Help from a Shreveport Turo Accident Attorney

The world of car-sharing brings new convenience – and new legal complexities. If you’ve been hurt in a Turo accident in Shreveport, you need an attorney who understands it and knows how to fight for your rights.

At the Law Office of Heather C. Ford, our Shreveport Turo accident lawyers are dedicated to staying at the forefront of this area of law. We have the knowledge, experience, and resources to take on complex car-sharing accident cases and get results for our clients.

Don’t try to handle this alone. Contact us today for a free consultation.