![]() Whether you need liability-only or full coverage auto insurance, we can help. If you want to make sure you’re covered with Zipcar liability insurance, a non-owner insurance plan might be the smart way to go. As explained above, car-sharing services oftentimes do not have adequate liability coverage. With these policies, because you are purchasing your own coverage instead of relying on other people’s policies, you have more freedom to make sure you always have enough coverage. These policies provide liability coverage to people who don’t have their own cars. You might be asking “ can I insure a car not in my name ” If you do not own your own vehicle, but often times rent from car-sharing services or even borrow your friends’ vehicles, you could benefit from buying a non-owner auto insurance policy. Should I consider a non-owner car insurance policy? Liability insurance can be increased to a $300,000 limit if you pay an hourly fee of $1.40. Apart from that, here is the basic coverage provided by the major car-sharing providers: Companyįor drivers under 21, liability insurance is limited to the state-regulated limits. You may have to add additional miles if you have a mileage cap. If you pay for the car with a major credit card like Visa, Mastercard, or American Express, you will automatically get collision coverage and some level of comprehensive coverage (Check with your credit card company to be sure). Having the bare minimum coverage is always the auto insurance policy of the major car-sharing companies. When you rent a car from a car-sharing service, you will always be covered with the minimum level of car insurance in your state. ![]() Still, if they get into an accident while driving one of these vehicles, they could be hurting (financially) the most and ruining your clean driving record. These drivers, which are statistically more reckless than their older counterparts, need insurance more than anyone. Zipcar insurance liability is limited to state-regulated limits for young drivers. What’s worse is that drivers under 21 get even less coverage from these car-sharing companies. They only offer the state’s bare minimum insurance on each rental, which they explain, is far from enough. Hertz 24/7, which is Hertz’s answer to Zipcar, has an even weaker insurance system, according to the Times. If not, you could face a damage fee in the millions! If you drive a Zipcar, you better buy personal lines insurance coverage or be extra careful not to get into a serious accident. This, as they explain, is oftentimes far from enough coverage, especially in a car accident with multiple injuries and/or fatalities. That is the limit of Zipcar liability insurance. Secured with SHA-256 Encryption What are the issues with Zipcar insurance?Īccording to the NYTimes, Zipcar’s insurance caps its coverage at $300,000 per accident. Below, we hope we can clear some of the air for you. ![]() If your car gets damaged or stolen while you are driving it, who pays for it? These are just some of the frequently asked questions when it comes to car sharing and insurance to cover the damage. Are you covered by liability insurance if you get into an accident? Will the car-sharing company cover your medical bills if you get injured in an accident? While car-sharing has been getting more and more accessible to your average American, the insurance issues that come along with it are still a source of confusion. In the world we live in, which values convenience above all, it’s no wonder that car sharing is gaining such momentum! In big, dense cities like New York, Washington, Chicago, Boston, and San Francisco, car-sharing companies have pickup/drop-off locations practically on every block. Services like Zipcar, which used to be thought of as hourly rental cars, are now so convenient and widespread and have such a wide variety of vehicles, including premium vehicles, that they have allowed many people to forgo car ownership completely. ![]() Many people, especially in major cities, have been ditching their cars in recent years in favor of car-sharing services such as Zipcar and Enterprise CarShare. Enter your ZIP code below to start comparing non-owner personal auto insurance quotes now. If you’re car sharing, we recommend non-owner auto insurance as well as Zipcar insurance to guarantee you’re protected as much as possible. Zipcar insurance options are minimal, and Zipcar caps their coverage at $300,000, meaning a Zipcar driver could be caught paying for damages out of pocket. ![]() How does Zipcar work with insurance? Zipcar insurance, and even other car-sharing insurance, is often the bare minimum as required by state laws. ![]()
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