This fee is called the damage fee waiver, and how much you'll pay after a crash depends on which level of damage fee waiver you've added to your membership. If a Zipcar is damaged while you're renting it, you'll be responsible for the costs of repairing the car, up to a certain amount. Zipcar insurance: coverage for vehicle damage Note that credit card rental car benefits never include liability coverage. A non-owner insurance policy is especially designed for someone who doesn't own their own car, but frequently borrows or rents a vehicle and wants to have a consistent level of protection when they do so. In addition, if you want more coverage than Zipcar provides but don't have your own insurance policy, you may consider a non-owner car insurance policy from an insurance company.

However, we recommend confirming with your insurer that Zipcar is included, as some insurance companies may not protect you. If you already have a car insurance policy, it will generally protect you while driving a Zipcar - carrying higher liability insurance limits on your own policy can offer extra protection in case you're in a crash. Liability insurance coverage provided by ZipcarĬan I use my own liability insurance with Zipcar? However, all drivers under 21 years old always receive only the state minimum coverage, regardless of when they signed up.

1, 2018, receive only state minimum coverage. That means in any accident where you are at fault, Zipcar's insurance will cover up to $100,000 of medical coverage per person that is injured, up to $300,000 total, plus up to $25,000 of damage to property, such as another car.ĭrivers who signed up after Aug. If you signed up between March 1, 2015, and July 31, 2018, you have 100/300/25 liability coverage. If you signed up before March 1, 2015, you have a single combined liability limit of $300,000 - that includes bodily injury and property damage coverage, with no limits on how the funds are disbursed. Whether you receive more than the state minimum amount of coverage from Zipcar depends on when you signed up, as the liability protection provided in the Zipcar contract has changed over time. When you signed up changes your coverage level For example, if you rent a Zipcar in Texas, you'll have at least 30/60/25 liability limits: bodily injury liability coverage of $30,000 per person and $60,000 total per crash, plus property damage liability coverage of $25,000. Each of these coverage types also has a dollar limit associated with it.

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