Turo Accident Liability in New York

Yes. New York’s no-fault law (Insurance Law § 5101 et seq.) requires every registered vehicle to carry PIP coverage, and Turo hosts are required to maintain a policy that includes it. After a Turo crash, your own no-fault insurer — or Turo’s policy — covers up to 0,000 in medical bills and lost wages regardless of who caused the accident. Only serious injuries meeting the “serious injury” threshold allow you to sue for pain and suffering beyond the no-fault system.

Yes, provided your injuries meet New York’s serious injury threshold under Insurance Law § 5102(d) — which includes significant disfigurement, fracture, permanent limitation of a body organ or member, or 90 days of disability within 180 days of the accident. If your injuries qualify, you can bring a negligence claim against the Turo driver for pain and suffering, future medical expenses, and other damages not covered by no-fault.

Generally no — the Graves Amendment (49 U.S.C. § 30106) shields peer-to-peer rental platforms like Turo from vicarious liability simply because they own or lease the vehicle. However, Turo can still be liable if it was independently negligent: for example, if it knowingly allowed an unqualified driver on the platform, failed to verify a suspended license, or its own conduct contributed to the crash. These exceptions require careful factual investigation by an attorney.

Turo provides tiered liability coverage depending on the protection plan the host selects: plans range from 50,000 in third-party liability down to a minimum that mirrors New York’s statutory limits. If the host opted out of Turo’s protection plan, the driver’s personal auto policy is primary — but many personal policies exclude commercial or peer-to-peer rental use. An attorney can subpoena the host’s Turo agreement to confirm which policy applies and whether any gaps exist.