San Francisco, CA asked in Insurance Bad Faith for California

Q: My truck was stolen while rented on turo. Turo’s insurance came back with a low settlement. Truck has not been recovered

Turo did not go through the proper verification process for the person who rented my truck. This guy created his profile using a picture of an ID from another country. I called turo before handing this man my keys to raise my concern and ask them if he had been verified. They said he was approved to drive and not to worry. I handed this man my keys he took off in my truck and did not return my truck the day the rental ended. I reached out to turo they said to wait one day before reporting it stolen. The next day came and the person whom rented my truck contacted me and said someone stole my truck and they were making a police report. My dad bought me this truck and he recently passed away this truck holds emotional value and when we bought the truck we paid a dealer mark up price and put down 30k cash. $145k total for the truck.

Turo filed the claim to their insurance a month after and the settlement amount they offered is low. Haven’t had a car for a month, missing work.

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2 Lawyer Answers
James L. Arrasmith
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
  • Insurance Claims Lawyer
  • Sacramento, CA
  • Licensed in California

A: In California, if you're dissatisfied with the insurance settlement offered by Turo for your stolen truck, you have the right to challenge it.

First, gather all relevant documentation, including the original value of the truck, the amount you paid, any enhancements or special features, and records of your communications with Turo. This evidence is crucial in substantiating your claim for a higher settlement.

You should formally respond to Turo’s insurance with a counteroffer, detailing why you believe their settlement is inadequate. Include the emotional value of the truck, although be aware that insurance typically covers the market value, not sentimental value.

If Turo's insurance remains unresponsive or unwilling to offer a fair settlement, consider consulting with an attorney experienced in insurance disputes. They can provide guidance on the best course of action, which may include legal action against Turo for negligence in the verification process and breach of their duty to protect your property.

Additionally, check if your personal auto insurance policy offers any coverage in this situation. Sometimes personal policies can provide additional relief in cases of theft.

Remember, dealing with insurance companies can be complex, and it is important to assert your rights and seek fair compensation. Legal advice can be invaluable in navigating these challenges and achieving a more favorable outcome.

Tim Akpinar
Tim Akpinar
  • Insurance Claims Lawyer
  • Little Neck, NY

A: Based on the high value of the truck at $145K, you may want to consider consulting with an attorney. If you are not able to come to an agreement after diligently presenting comparable market value vehicles, an attorney could advise on additional options. Try to arrange a quick free consult to discuss - if you do consider retaining counsel, explore payment options in terms of whether the matter would be handled on a contingency basis. Good luck

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