For example, if an uninsured driver runs a stop sign and causes an accident that injures you, this coverage would pay for the resulting expenses like medical bills and loss of wages. Uninsured/underinsured motorist: This coverage pays for your expenses after an accident when the other driver is at fault and uninsured or underinsured.Zipcar only provides this coverage in states where it’s legally required to do so. For example, if you need physical therapy after an accident, this coverage might pay for it. Personal injury protection/medical payments: This coverage pays the medical bills of you and passengers in your car after an accident.For example, if you plow into someone’s front yard and destroy a fence, this coverage would pay for it. Usually, the property that’s damaged is the other driver’s car, but property damage can also mean things like fences and telephone poles. Property damage liability: This coverage pays for property damage caused by the Zipcar driver.For example, if you run a stop sign and cause an accident, this coverage would pay for injuries sustained by the people in the other car. Bodily injury liability: This coverage pays for injuries to others if the Zipcar driver is found at fault in an accident.Although Zipcar insurance will change from state to state, here are the common coverages included in Zipcar’s insurance coverage: Zipcar provides insurance coverage for liability damage and injuries to you and anyone in your vehicle if the state requires it. What coverage does Zipcar insurance provide?
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And if you have full coverage auto insurance, then your collision and comprehensive may apply to the Zipcar too. If your provider does extend coverage to your rental, then your personal liability could be a lifesaver in the event of an at-fault accident where injuries and damages would have exceeded the minimum limit of the Zipcar insurance coverage. However, you’ll want to check with your insurance carrier to make sure. More than likely, your policy will extend coverage to your Zipcar. If you have your own auto insurance policy, then you may be in luck. Because of this, it doesn’t provide comprehensive or collision coverage to your rental. Zipcar provides the legal minimum insurance coverage for its drivers. Having a membership is the only Zipcar requirement for insurance. Because most people who don’t own a car also don’t have car insurance, Zipcar automatically provides insurance for its members.
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Zipcar is designed for licensed drivers who don’t own a car. Does personal auto insurance cover Zipcar? We’ll walk through Zipcar insurance and how your personal auto insurance covers rental cars. Although Zipcar offers specialized insurance coverage for its rental cars, it may not be enough. Just like any other rental, you’re on the hook for damages to the Zipcar while it’s in use. After becoming a member, you can quickly reserve a car and pick it up from a designated location. Zipcar is a popular web-based rental car service available in U.S.
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