Beginning November 1, 2007, for Zipcar members 21 years of age or older, our insurance coverage consists of a combined single limit of $300,000 per accident, meaning that all third party bodily injuries, or property damage costs relating to the accident covered in the aggregate up to $300,000. For drivers under 21, we provide coverage up to state-mandated levels, which vary by the state in which the accident occurs. Zipcars are covered under a vehicle collision policy.
For both third party or vehicle damage claims, the member is responsible for a damage fee of up to $500 to cover repairs if the accident is his or her fault, or if no fault is assigned. Members age 21+ have the option to purchase a damage fee waiver to reduce that amount to $250, or to eliminate it altogether.
Zipcar provides Personal Injury Protection (PIP), or "no-fault" coverage, at statutory limits for our members if they are injured in an accident. Members may also use their own health care coverage in case of injury.
If the total amount of the injuries and/or property damage exceeds our coverage limits, Zipcar members are responsible for this excess and will be contacted by either Zipcar, our insurance provider – Liberty Mutual – or the insurance company representing another driver involved in the accident.
Members engaging in prohibited uses of our Zipcars are not covered. You are not covered as a Zipcar member in any vehicle not supplied by Zipcar. A non-member driving a Zipcar is not covered as well. We will revoke membership if we learn about unauthorized use.
If you have any concerns about the insurance coverage Zipcar provides and whether it works for your personal situation, we encourage you to consult with a licensed agent and put them in touch with us if needed. You can reach us insurance@zipcar.com.