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Do I need my own insurance for Zipcar?

I just became a member of Zipcar. I'm wondering if I need to purchase a car insurance policy or can I just use theirs?

avatar
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Zipcar has its own
car insurance
 policy that covers members. The coverage meets basic
state minimum car insurance
 requirements. It also includes
personal injury protection
 when necessary.
For physical damage or
collision coverage
, drivers are responsible for the first $1,000. After that, Zipcar covers the remaining amount. They also offer a damage protection plan that will help reduce or eliminate the $1,000 deductible.
If you’re worried about the policy not providing enough coverage, you can always purchase
non-owner car insurance
 as a supplement. Non-owners’ policies extend coverage to any vehicle that the policyholder drives.
As non-owners insurance is nonstandard, you’ll need to call insurance companies to see who offers this type of policy. You can also call or text
Jerry
. Jerry’s licensed agents would be happy to help you find the best policy to suit your needs.”
MORE:
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