Wow - I didn't realize they had such poor insurance: Beginning November 1, 2007, for Zipcar members 21 years of age or older, our insurance coverage consists o

Wow - I didn't realize they had such poor insurance: Beginning November 1, 2007, for Zipcar members 21 years of age or older, our 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 covered in the aggregate up to $300,000. For drivers under 21, we provide coverage up to state-mandated levels, which vary by the state in which the accident occurs. Zipcars are covered under a vehicle collision policy. If the total amount of the injuries and/or property damage exceeds our coverage limits, Zipcar members are responsible for this excess and will be contacted by either Zipcar, our insurance provider – Liberty Mutual – or the insurance company representing another driver involved in the accident. You think they'd charge a little more to give you better insurance, or at least give you the option of securing better insurance.