# Resolving damage directly with your host

> Why should I resolve damage directly?     In many situations, the fastest, most cost-effective way to resolve an issue for physical damage to the host&...

Source: https://help.turo.com/en_us/resolving-damage-with-your-host-Hy4fBNlN5

Last updated: 2026-05-04T21:45:52.160Z

## Look for communication from your host  

When there’s a report of vehicle damage, the host may choose to resolve the issue with you directly, without involvement from Turo. If so, they’ll contact you about working together. Working with your host can save you time and money because you won’t be responsible for damage appraisal costs or claims processing fees. In some cases, a host may have already received an estimate from their repair shop and will include it in their initial message to you.

## Review the damage estimate

If your host's initial message doesn’t include a damage estimate, give them 72 hours to send you one. If you haven’t heard from them within that time, contact them via Turo messaging and ask when you can expect to receive it. 

The estimate should include the details of the items included (parts and labor) and the cost of each. Carefully review the estimate as well as the pre- and post-trip photos and take note of any additional documentation the host included. If you need more photos, ask your host to share them with you so you have a full understanding of the damage. Keep in mind that repair costs can be surprisingly expensive. If you have questions, ask your host to put you in touch with their repair shop so you can get answers and confirm they’ve given the best possible price.  

**Note:** Send all communication through Turo messaging so we have visibility into your conversations in case the host escalates the issue. 

## Pay the damage invoice

If you’ve purchased a protection plan through Turo, it’ll limit the amount you owe for damages covered by your protection plan. Your host should only request damage costs up to the deductible amount of the protection plan you chose. If your host messages you for payment or asks that you use a payment method outside of Turo, ask that they submit the invoice via the Turo system and plan to make payment there. 

**Guests in the US and Canada** can file a claim with their personal insurer. If you choose to do so, **US guests** should refer the claims adjuster to clause 2.6 in [the car sharing agreement](https://help.turo.com/viewing-your-car-sharing-agreement-trip-receipt-and-incident-card-H19M4Vx45); **Canada guests** should refer them to clause 2.5. 

Give your host your claims adjuster’s contact information, the claim number, and your policy number. Or if you’d prefer, give your insurer the host’s contact information so your adjuster can get in touch directly. **This option isn’t available in Australia, France or the UK.**

To pay a damage invoice, tap or click **“View invoice”** in the **Details** page of the trip. Check the box next to **Damage** and tap or click **“Accept and pay”** to complete payment. We’ll automatically apply any deposits you paid for the trip first before charging the balance to your payment method on file. 

## Manage issues with your host

If you can’t come to an agreement with your host about resolving directly, there are two things you can do. 

One, is to send a message to your host letting them know you no longer want to resolve directly. You have 20 days after the trip ends to communicate this to your host. However, if you can show you’ve been actively working with your personal insurer to resolve, you can notify your host outside that 20-day window. Once you’ve notified them, your host may file a damage claim with Turo.

Two, is to dispute the damage invoice if you disagree with either the damage or the invoice amount. If you dispute the invoice, the host can escalate it to Turo for review. Once Turo steps in, you can expect to follow [these steps](https://help.turo.com/managing-a-damage-claim-through-turo-or-us-guests-HJhZBElNc) to resolve the damage claim.