# Resolving a claim through guest or third-party insurance

> A host may choose to resolve a claim with the guest or the other person who was involved in an accident instead of through Turo If this does happen the host m

Source: https://help.turo.com/en_us/how-do-i-resolve-a-claim-through-guest-or-third-party-insurance-Bkt9IVeVc

Last updated: 2026-04-28T20:50:11.399Z

## Why choose to resolve directly

After filing a damage claim, you still have the option to work directly with the guest’s personal insurer or the third party’s carrier. When discussing this option with your guest, it’s helpful to remind them that working through their own insurance can **save them the cost of Turo’s claims processing fee.** To help the process along, you can refer their insurance adjuster to the [car sharing agreement](https://help.turo.com/view-car-sharing-agreement-hosts-HkEbhubTs):

*   **US:** Clause 2.6
    
*   **Australia, Canada, France, & UK:** Clause 2.5
    

## How to get help

If you need help with a resolve-directly claim and haven’t yet escalated it to Turo, you can reach out to our team:

*   US hosts: [claims@turo.com](mailto:claims@turo.com)
    
*   Australia hosts: [aus-claims@turo.com](mailto:aus-claims@turo.com)
    
*   Canada hosts: [claims+ca@turo.com](mailto:claims+ca@turo.com)
    
*   UK hosts: [ukclaims@turo.com](mailto:ukclaims@turo.com)
    

Even if you’ve already accepted a partial payment from a guest or an insurance carrier, you can still submit a request via your [Claims Dashboard](https://help.turo.com/viewing-and-managing-claims-dashboard-S1FAwXad5) and ask Turo to step in. We’ll verify the claim’s eligibility and reimburse you for the remaining balance, factoring in any payments you’ve already received and the damage responsibility amount of your host earnings plan.