WHY A STRUCTURED APPROACH MATTERS

• Protects Your Investment: Knowing how to respond reduces potential repair costs and liability risks.
• Maintains Guest Confidence: A professional, organized method reassures guests and supports positive reviews.
• Simplifies Claims: Accurate documentation and timely communication help avoid claim disputes or coverage denials.

STEP 1: ENSURE SAFETY

• Check for Injuries: Confirm that all parties involved are safe. Call emergency services if necessary.
• Secure the Scene: Move the vehicle out of traffic, if possible, and turn on hazard lights.

STEP 2: GATHER INFORMATION

• Take Photos of Damage: Capture multiple angles of both vehicles, license plates, and any debris.
• Record Driver Details: Collect the guest’s insurance information and confirm personal identification.
• Note Environmental Factors: Weather and road conditions can be relevant to insurance claims.

STEP 3: CONTACT THE AUTHORITIES (IF NEEDED)

• File a Police Report: Accidents with substantial damage or injuries often require official documentation.
• Request a Case Number: Having a reference helps when communicating with Turo and insurance providers.

STEP 4: INFORM TURO PROMPTLY

• Submit a Claim Through Turo: Follow the platform’s claim process, which typically involves uploading photos and incident details.
• Clarify Coverage: Understand your Turo protection plan and ask about any potential limitations.
• Provide Necessary Documents: Be ready to supply a copy of the police report, repair estimates, or additional photos.

STEP 5: CONSIDER GUEST’S INSURANCE

• Evaluate Cost Benefits: If the guest’s insurance is comprehensive, filing through that policy may offer quicker payouts or cover damage Turo declines.
• Keep Communication Open: Explain any cost differences, including out-of-pocket expenses, to reach a fair agreement.

STEP 6: OBTAIN A REPAIR ESTIMATE

• Choose a Reputable Shop: Ensure the mechanic or body shop can provide detailed estimates.
• Document Everything: Keep photos of the vehicle before and after repairs for future reference.
• Submit Supplementals (If Needed): If repairs exceed initial estimates, the shop may require additional payment approvals.

STEP 7: FINALIZE REPAIRS AND FOLLOW-UP

• Verify the Work: Inspect the vehicle thoroughly before returning it to active listings.
• Update Turo and Insurance: Confirm any final adjustments or loss-of-use reimbursements are completed.
• Maintain Records: Store receipts, estimates, and correspondence to protect yourself from future disputes.

CONCLUSION Handling accidents calmly and systematically is crucial for Turo hosts. By documenting damage, verifying coverage, and communicating effectively, hosts can resolve claims and return their vehicles to service with minimal disruption. Thorough preparation also safeguards against unexpected costs and helps preserve a reliable hosting reputation.