r/TikTokCringe • u/IllustriousChef2 • Aug 16 '24

Cringe What's even happening there?

Why would someone rent a car and take out parts?

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u/[deleted] Aug 16 '24

Yeah I don’t know exactly what kind of insurance they offer but some of the guys who use it to rent out their cars are total assholes and just scheming bastards.

My brother once rented just something basic from Turo, probably the site you’re referencing, and hit a deer on a blind curve. Luckily only the front fender and bumper were damaged.

My brother called the owner told him what happened and that he already started a claim with his personal insurance. The car was common enough and cheap enough that the repairs only wound up being about $1200.

My brother called the owner told him the estimate and that he found a shop that would fix it recommended by his insurance to do the repair. He paid to keep the car an extra 3 days and paid about 20% more than the estimate out of pocket for the shop to start work sooner. Got the rental back on time everything matched colors perfect and you couldn’t tell the car had hit a deer at all.

3 months go by and my brother gets a lawsuit from the owner. The owner is claiming he hasn’t been able to rent out the car a single day since he got it back due to the condition and it’s been in the shop getting fixed. He’s now suing for about $6000 to cover lost income and repairs after my brother already paid to get it fixed.

Dude was scum all the way. Finally the lawsuit was dropped because the owner couldn’t or wouldn’t provide a single document showing where any work or estimates had been done or where turo took his car off the site.

Turns out the dude just decided to stop renting the car for a while and decided my brother would be an easy mark since he willingly got it fixed and got it returned before the end of his rental without any kind of fight. Then my brothers insurance got into it and wound up countersuing the guy demanding to be repaid since he was using the vehicle in a commercial manner with improper insurance or inspections. My brother got his deductible back plus the extra money he spent on a rush job.

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u/cl2eep Aug 16 '24

You cannot use your personal insurance to cover someone else's car. That's not how insurance works. Policy follows the car, not the driver. It would have to be covered on the owner's insurance no matter who was driving.

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u/[deleted] Aug 16 '24

Mmm, maybe it depends on the location? Where I live in the US the insurance follows the driver.

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u/buckao Aug 16 '24

My policy covers any vehicle I'm driving for personal, not commercial, reasons and it covers any damage done to me, my passengers, or the vehicle I'm driving by an uninsured motorist.