Zipcar Do You Need Insurance
Do I Need Insurance When I Use Zipcar?
Zipcar is a car-sharing service that is available in over 500 cities around the world. It offers a convenient, affordable and environmentally friendly alternative to owning a car. Zipcar is a great option for people who need a car occasionally, but don’t want the hassle and expense of owning one. But when you use Zipcar, do you need insurance?
What Insurance Does Zipcar Provide?
Zipcar provides two types of insurance coverage for its members. The first is liability coverage for any damages you may cause to another person or their property. The second is physical damage coverage for any damages you may cause to the Zipcar vehicle itself. These two types of insurance are provided by Zipcar at no additional cost to the member.
What Does Zipcar's Insurance Cover?
Zipcar's liability coverage is provided by Liberty Mutual Insurance and is up to the minimum required amount in the state where the accident occurred. This means that if you cause an accident while driving a Zipcar, the liability coverage should cover any damages you cause to another person or their property. As for physical damage coverage, this is provided by Liberty Mutual and covers any damage you may cause to the Zipcar vehicle itself.
Do I Need Additional Insurance?
Even though Zipcar provides two types of insurance coverage, you may still want to consider getting additional insurance. This is especially true if you will be driving a Zipcar for an extended period of time. Personal auto insurance policies typically provide coverage for rental cars, so you may want to add Zipcar to your policy. This will provide additional protection in the event of an accident or theft.
Do I Need to Get Insurance When I Rent a Zipcar?
No, you do not need to get additional insurance when you rent a Zipcar. Zipcar provides liability coverage and physical damage coverage at no additional cost to the member. However, you may want to consider getting additional insurance if you will be renting a Zipcar for an extended period of time. Personal auto insurance policies typically provide coverage for rental cars, so you may want to add Zipcar to your policy.
Conclusion
Zipcar provides two types of insurance for its members: liability coverage and physical damage coverage. These two types of insurance are provided by Zipcar at no additional cost to the member. However, you may want to consider getting additional insurance if you will be renting a Zipcar for an extended period of time. Personal auto insurance policies typically provide coverage for rental cars, so you may want to add Zipcar to your policy.
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