frequently asked questions

For Zipcar members 21 years of age or older, the coverage limit is a combined single limit of $300,000 per accident. For members under 21 years of age, coverage is provided up to the minimum financial responsibility limits required by law in the jurisdiction in which the accident occurs or the claim is adjudicated. Minimum financial responsibility limits vary by jurisdiction.

Where required by law, we provide Personal Injury Protection (PIP), or "no-fault" coverage, to the minimum level required by the jurisdiction in which the accident occurs or the claim is adjudicated, for injuries you may suffer in an accident. Members may also use their own health care coverage in case of injury and any personal injury coverage that the Member has available will be primary over any PIP or no fault coverage Zipcar may provide where allowed by law.

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 or claims handler, or the insurance company representing another party involved in the accident.

Members engaging in prohibited uses of our Zipcars are not covered by our insurance policy. A non-member driving a Zipcar is not covered, and we will revoke membership if we learn about unauthorized use.

For both third party and Zipcar vehicle damage claims, the member may be responsible for a damage fee, the amount of which may vary with the Member's driving/membership plan and/or the type of Zipcar vehicle used, if they're involved in an incident during their reservation. Members age 21 or older, who have had no accidents in the last 12 months, may have the option to purchase a damage fee waiver to reduce that amount or eliminate it altogether. The insurance we provide does not relieve you of your obligations with respect to the damage fee.

If you have any questions or 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. Insurance can be tricky and we want you to be informed. You can reach us at insurance@zipcar.com.