in this case
- Georgina Montalvan rented a car through Turo in Los Angeles. The next day, the owner claimed she had damaged it.
- She had photographed the car when she picked it up, and her photos showed the scratch was already there.
- Turo agreed not to charge her, then changed its mind. Is she stuck with the bill?
Turo charges Georgina Montalvan $2,338 for damages she didn’t cause. Then Turo makes a U-turn, dropping the charges. Then it changes its mind again. Does she really have to pay?
Question
I recently rented a car through Turo in Los Angeles. I delivered the car a day early because I had to catch an earlier flight home. The next day, I received a text from Turo saying the owner claimed I had damaged the car.
Turo sent photos, one of which showed a scratch on the fender and a small hole in the bumper. Fortunately, I had taken photos when I took possession of the car. I sent Turo my photos, which clearly showed the scratch was already there.
Turo reviewed the evidence and told me the claim had been dropped because it was “normal wear and tear.”
A week later, Turo reopened the claim and charged my credit card $660. I was never shown an itemized bill. Then, earlier this month, it sent me another invoice for $1,678. Turo claims there’s now “hidden” damage to the car. It sent a photo of a larger hole that I have never seen before.
This feels like a scam. I have disputed the charge with my credit card company, but I am not hopeful. Can you help me get my money back? — Georgina Montalvan, Birmingham, Ala.
Answer
Turo should have stuck to its original decision. You had the evidence to prove that the damage was pre-existing, and the company correctly identified it as “wear and tear.”
Reopening the claim and charging you $660 — and then piling on another $1,678 for “hidden” damage — was wrong.
Peer-to-peer car rental platforms like Turo can be tricky. Unlike traditional car rental companies, you’re dealing with individual owners who may be very protective of their vehicles or, in rare cases, looking to have existing damage fixed at a renter’s expense.
The supplemental claim is a common pain point. This happens when a repair shop takes the car apart and finds more damage than was visible in the initial photos. While this is a legitimate industry practice, it can feel incredibly unfair to a renter who has already left the state and has no way to verify the new damage.
You did the right thing by taking photos of the car when you picked it up. That paper trail is your best defense against frivolous damage claims. It is unclear why Turo ignored your photographic evidence after initially accepting it. (The photos get uploaded to the Turo app, so it has access to them.)
You could have also appealed your case to someone higher up at Turo. I publish the names, numbers and email addresses of the Turo executives on my consumer advocacy site, Elliott.org.
Your case is a reminder to always take photos of the car at pickup and return. That evidence is the only thing standing between you and a massive repair bill.
I contacted Turo on your behalf. The company reviewed your case again and dropped the claim. You have received a full refund of the $660, and the additional $1,678 invoice has been canceled.
Montalvan had photos, and a platform that accepted them before reversing itself. Her case touches something a lot of renters worry about.
Your voice matters
Peer-to-peer rental damage claims: what to know
A damage charge can arrive days after you fly home. Here is what renters ask most. This is general information, not legal advice.
You are dealing with an individual owner rather than a corporate fleet. Most hosts are reasonable, but an owner may be highly protective of the vehicle, and there is no counter agent doing a joint walkaround with you. That makes your own photo record far more important than it would be at an airport rental desk. Do a full walkaround at pickup and again at return: every panel, both bumpers, the wheels, the windshield, and the interior, plus close-ups of any damage that is already there. Make sure the images are time-stamped, and upload them through the platform’s app so they sit in the trip record rather than only on your phone. It is a second claim raised after a repair shop takes a vehicle apart and finds damage that was not visible in the original photos. This is a legitimate practice in the repair industry. The difficulty for a renter is that it can arrive long after you have gone home, with no way to inspect the car yourself, so ask for documentation tying the new damage to your rental period. Platforms generally exclude minor cosmetic aging that comes from ordinary use, as distinct from damage caused during a specific trip. Thresholds vary by platform and change over time, so check the current policy rather than relying on a number you read somewhere. If a platform has already classified something as wear and tear, note that in writing and keep the message. Dispute it through the platform in writing rather than by phone. On Turo, a guest who disagrees with the damage or the amount can dispute the invoice, and it can then be escalated for company review. Attach your pickup and return photos and ask that they be compared against the host’s. Ask for an itemized repair estimate rather than a lump sum, time-stamped photos establishing that the damage occurred during your rental window, and copies of the pre-trip and post-trip inspection photos on file. If a host reported damage well after the car came back, or cannot show when it happened, that works in your favor. Consider it a later step, not a first move. Once a card dispute is open, the merchant often cannot issue a voluntary refund without risking paying twice, which can stall a negotiated resolution. Work the platform’s own dispute process and escalate to an executive first, while keeping your card issuer’s filing deadline in mind. For more help, see Elliott Advocacy’s consumer resources.How is renting from a peer-to-peer platform different?
What photos should I take, and when?
What is a supplemental or “hidden” damage claim?
What counts as normal wear and tear?
How do I dispute a damage invoice?
What evidence should I ask the platform to produce?
Should I dispute the charge with my credit card?



