Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
Yes, Zipcar does include liability insurance equal to your state’s minimum requirements, but if you want higher limits, you can purchase additional liability protection from Zipcar to get up to $300,000 in coverage. Zipcar insurance will also cover damage to the Zipcar vehicle, after you pay a $1,000 deductible.
Key Things to Know About Zipcar Liability Insurance
- Liability insurance is included. All Zipcar vehicles are covered by Zipcar insurance, which meets your state’s minimum coverage requirements. For instance, this will include liability insurance and personal injury protection (PIP) or no-fault insurance if your state requires it. Zipcar insurance is provided by a separate insurance company and is secondary to your personal car insurance in the event of an accident.
- Additional liability insurance is available. Zipcar offers “Additional Liability Protection,” which is available for an extra fee, for hourly or daily trips. This provides you with additional coverage up to $300,000 through a third-party insurance company.
- Damage to the vehicle is partially covered. Zipcar vehicles are automatically covered by Zipcar’s physical damage insurance while you’re driving, as long as you comply with Zipcar’s membership contract. With Zipcar’s physical damage insurance, the driver is responsible for paying the first $1,000 of damage to the Zipcar vehicle should an accident occur, and any damage beyond that is covered by Zipcar insurance.
- Coverage varies depending on your membership terms. Zipcar states that if your membership is affiliated with a business or university, your coverage may vary from the basic insurance, so you should check the terms of your contract.
To learn more, check out WalletHub’s guide to car sharing insurance.
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