How Does Insurance Work for Accidents with a Car Share?

Car sharing has evolved from something of a niche concept into a legitimate worldwide phenomenon. As of 2016, there were car-sharing businesses in 33 countries with roughly 4.8 million customers. The Metro Vancouver area alone is home to four popular and separate companies of this type: car2go, Evo, Modo and Zipcar.

While people seem more than willing to share in the benefits of these operations, there is one important factor that they often fail to think about: insurance. How does insurance work if you’re in an accident with a car share? Is it covered by your own personal insurance? Does the car share’s insurance handle it? What if the accident is your fault?

For the answer to these questions, along with what happens either if you’re the driver or if you’re sharing the car with another driver, you need to keep a few key things in mind.

Insurance Rules with car2go, Evo, Modo and Zipcar

As expected, the actual role that the car-sharing companies themselves will play in any accident you’re involved in will vary depending on exactly which company you’re talking about.

Zipcar Insurance Rules for Accidents and Injuries

Zipcar dictates that every member “in good standing” (in regards to accident history and membership rules) is fully covered by their insurance while driving one of their vehicles, including comprehensive liability coverage of up to $1,000,000, provincial minimum levels for other types of damages and more. All members are, however, responsible for a $1,000 damage fee per at-fault incident, which can be waived by paying a smaller, preemptive fee.

Evo Insurance Rules for Accidents and Injuries

Evo Car Share insures all of its vehicles up to $3,000,000 with a $1,000 deductible for at-fault accidents; however, any driver in violation of their membership agreement with Evo in any way at the time of the accident is responsible for 100% of all costs.

Modo Insurance Rules for Accidents and Injuries

Modo insures its entire fleet with full collision and comprehensive coverage of up to $5,000,000; the deductible for at-fault collisions is $500 for regular members or $50 for exclusive members, but both of these fees would be waived if you optionally pay into the co-op’s “Damage Pool.”

Car2go Insurance Rules for Accidents and Injuries

Car2go is a mixed bag with a downside but also a huge upside: Their insurance coverage of up to $1 million is lower than Evo’s and Modo’s and offers less secondary benefits than what you get with Zipcar and Modo; however, the $250 deductible for at-fault damage is both relatively low and also automatically waived for heavy-use members (those who exceed 90 trips in a given calendar year), without having to pay an additional, preemptive fee. As with Zipcar and Evo, all insurance coverage becomes void if you’re violating any term or condition of your membership agreement at the time of the accident.

As always, knowing how insurance rules work for car shares is something you should understand BEFORE you begin your car-sharing experience. Always make sure that you know the exact situation that you’re agreeing to BEFORE you actually have to worry about insurance after the accident has taken place. At the very least, it will eliminate surprises.

Car Injuries From an Accident with a car2g0, Evo, Modo or Zipcar

Above all else, we at Becker, Lavin & Wessler believe that the importance of contacting and involving a personal-injury lawyer when you’re in an accident with a car share is something that cannot be overstated enough. Not only can an attorney help you navigate the rough waters of insurance in this type of unique situation, but they can also help fight on your behalf for receiving fair financial compensation from any injuries you sustain.

If you’d like to find out more about whether or not your insurance will cover your accident in a car share, or if you have any additional questions about personal-injury topics, please don’t delay – contact our team at Becker, Lavin & Wessler today.

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