Zipcar Accident Insurance

All third party liability and pip coverage meets the minimum requirements of the state or jurisdiction in which an accident occurs and coverage is only available after a member has exhausted any other applicable coverage.

Zipcar accident insurance. The zipcar itself is covered under a comprehensive vehicle collision policy when driven by a zipcar member. Zipcar insurance also includes secondary third party liability coverage and where required personal injury protection pip or no fault coverage. 1 000 paid to zipcar by uber driver partner. Zipcar caps the liability insurance coverage it provides for members at 300 000 per incident which could leave drivers involved in an accident exposed to an expensive lawsuit.

If you receive communications from the other party involved in the accident or their insurer please notify sedgwick at 866 345 2474 as soon as possible and pass along the insurance company s name adjuster s name claim number and phone number. Members 21 who joined zipcar prior to march 1 2015 will receive zipcar liability insurance for causing bodily injury or death to others or damaging the property of someone other than the authorized driver or the member up to a combined single limit of 300 000 per accident. The local zipcar office will inspect the vehicle for damages and bring the vehicle to a repair shop to get pictures and an estimate. But if the state minimums are too low you can cover your medical bills with your own health insurance instead.

Like with other rental cars your auto insurance coverage generally extends to your zipcar meaning your own liability coverage can help with whatever zipcar s liability doesn t cover. Zipcar provides insurance for members who comply with the membership contract of up to 25 000 for property damage and 300 000 for bodily damage up to 100 000 per person. If an insurance claim is necessary one will be filed with the appropriate company. Zipcar to provide liability coverage up to the minimum financial responsibility limits required in the state jurisdiction in which the accident occurs.

Your uber app is off offline zipcar to cover in excess of the 1 000 deductible. Well if you have your own car insurance which isn t necessary to rent a zipcar depending on your coverage it may cover you if you re in a zipcar accident. If you are driving a zipcar in a no fault state and get into an accident zipcar offers personal injury protection pip coverage to the minimum level required by that state. But they will charge you a 1 000 damage fee per incident unless you choose to pay the damage waiver fee they offer in advance of the accident.

Zipcar members don t get away scot free even with this auto insurance coverage.