Zipcar Insurance

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Zipcar is a car-sharing platform that provides affordable and convenient access to vehicles for people who don’t own a car. One concern that people may have before renting a Zipcar is the insurance coverage. In this article, we will explore Zipcar insurance in detail and answer some frequently asked questions about it.

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What is Zipcar Insurance?

Zipcar provides insurance coverage for its members when they drive a Zipcar. The insurance coverage includes liability insurance, which covers bodily injury and property damage to third parties, and collision insurance, which covers damage to the Zipcar itself. The insurance coverage is included in the cost of renting a Zipcar, so members do not have to pay any extra fees for it.

The insurance coverage provided by Zipcar is in compliance with the state minimum requirements where the Zipcar is located.

Liability Insurance

The liability insurance provided by Zipcar covers bodily injury and property damage to third parties. The coverage amount varies by state and can go up to $300,000 per occurrence.

The liability insurance coverage only applies if the member is driving the Zipcar within the scope of the Zipcar agreement. If the member is using the Zipcar for commercial purposes or outside the Zipcar agreement, the liability insurance coverage will not apply.

Collision Insurance

The collision insurance provided by Zipcar covers damage to the Zipcar itself, regardless of who is at fault. The coverage amount varies by state and can go up to the actual cash value of the Zipcar.

The collision insurance coverage only applies if the member is driving the Zipcar within the scope of the Zipcar agreement. If the member is using the Zipcar for commercial purposes or outside the Zipcar agreement, the collision insurance coverage will not apply.

What is Not Covered by Zipcar Insurance?

There are a few things that are not covered by Zipcar insurance:

  • Personal injury: Zipcar insurance does not cover personal injury of the member or the members’ passengers.
  • Lost or stolen personal items: Zipcar insurance does not cover lost or stolen personal items that were left in the Zipcar.
  • Intentional damage: Zipcar insurance does not cover intentional damage to the Zipcar by the member.

How to File a Claim with Zipcar Insurance?

If a member is involved in an accident while driving a Zipcar, they should follow these steps:

  1. Check for injuries and call 911 if necessary.
  2. Call Zipcar immediately to report the incident and file a claim. The member should provide details of the accident, including the location, time, and other parties involved.
  3. Take pictures of the damage to the Zipcar and any other vehicles involved in the accident.
  4. Cooperate with Zipcar and the insurance company during the claim process.
  5. If necessary, the member may need to pay a deductible, which is the amount that the member is responsible for paying towards the repairs of the Zipcar.

FAQs

Do I need to have my own car insurance to rent a Zipcar?

No, you do not need to have your own car insurance to rent a Zipcar. The insurance provided by Zipcar is included in the cost of renting a Zipcar.

What if I have an accident in a Zipcar, but it’s not my fault?

If you have an accident in a Zipcar, and it’s not your fault, Zipcar will handle the insurance claim with the other driver’s insurance company. You will not be responsible for paying any deductible or any other costs related to the accident, as long as you were driving within the scope of the Zipcar agreement.

Can I use Zipcar insurance for commercial purposes?

No, you cannot use Zipcar insurance for commercial purposes. If you use a Zipcar for commercial purposes, you will not be covered by Zipcar insurance.

Can I use a Zipcar outside of the United States?

No, you cannot use a Zipcar outside of the United States. Zipcar is only available in the United States, Canada, and the United Kingdom.

Conclusion

Zipcar provides insurance coverage for its members when they drive a Zipcar. The insurance coverage includes liability insurance and collision insurance, and it is included in the cost of renting a Zipcar. Although Zipcar insurance covers most accidents, there are a few things that are not covered, such as personal injury and lost or stolen personal items. If a member is involved in an accident while driving a Zipcar, they should follow the steps outlined by Zipcar to file a claim.

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