As a ZipCar member, you must pay monthly fees to have access to the car renting service. You can also purchase additional coverage in the case of an accident or property loss or damage that occurs while the ZipCar is in your care.
While the membership costs vary depending on location, in Los Angeles, the monthly membership fee was $7 as of October of 2020. While the membership fee claims to include “secondary insurance for all trips”, what this really refers to that ZipCar will cover damage fees for the vehicle, once the driver pays a $1,000 deductible for the damages first and only covers personal injury costs after a driver’s personal coverage has exhausted.
The cost of these damages can be reduced if members add an additional damage waiver fee to their monthly payments. There are two options for damage-fee reduction - members can either purchase Plus Protection at $5/month or $50/year that will reduce their damage deductible to $375 or they can purchase Premium Protection at $9/month or $79/year that will reduce their damage deductible to $0.
The ZipCar contract as of February 2020 states that ZipCar does offer personal injury and third-party liability coverage, only after a driver’s personal insurance has already been exhausted. Just how much ZipCar’s insurance is willing to cover after the driver’s other insurance options have exhausted, is not specified.