For Zipcar members 21 years of age or older, 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 are covered in the aggregate up to $300,000.
For drivers under 21, Zipcar provides coverage up to state-mandated levels, for Virginia that would be 25/50/20. The Zipcar vehicles are covered under a comprehensive vehicle collision policy. Members in this category may obtain additional coverage under personal insurance policies, or accident coverage provisions offered by your credit card company.
For both third party and Zipcar vehicle damage claims, the member may be responsible for a damage fee of up to $750 if they're involved in an incident during their reservation. Members age 21+, who have had no accidents in the last 12 months, have the option to purchase a damage fee waiver to reduce that amount or eliminate it altogether.
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.