Originally Posted by myrridin

And that coverage has limits (as do all insurances), Liability above and beyond those insurance rates are the the responsibility of the driver. And the agency renting the car can pursue the renter for damages as well... the fine print of the insurance matters... A group such as zip car that doesn't charge additional fees for insurance is going to have their goal of reducing their liability, not yours... For instance, a clause mentioning driver negligence could eliminate all of your coverage if it exists...