Isn't this precisely why drivers/owners are compelled to purchase insurance? The contentious issue is that the zipcar marketing implies that "comprehensive" in

Isn't this precisely why drivers/owners are compelled to purchase insurance? The contentious issue is that the zipcar marketing implies that "comprehensive" insurance is included. They don't require you to have outside insurance, and they don't even offer you an opportunity to (through them) get more (specifically liability) insurance at an additional cost. I don't know about you, but when I see the word "comprehensive", I tend to think it covers everything. The concept of the car sharing service is that it's something you use rarely. Paying to be insured 24/7/365 for something that you use once or twice a month seems wasteful. I'm not even sure it's possible to get insurance for car sharing services through traditional insurers. In any case, it seems like far more of a hassle than checking a checkbox to pay more to get some additional insurance through zipcar directly.