You buy insurance mostly to protect against costs that are expensive and unlikely to happen. The article points out that in New York, which has a lot of Zipcar

You buy insurance mostly to protect against costs that are expensive and unlikely to happen. The article points out that in New York, which has a lot of Zipcar customers, 3 percent of bodily injury liability insurane claims are over $300,000. So although no Zipcar rental has yet resulted in such a claim, it still seems like something worth insuring against.