Auto-free car renters juggle complicated insurance options - Greater ...
In Washington, roughly a third of households don't have access to a vehicle, but plenty of these people still drive, if only occasionally. Car sharing services like Zipcar are great for quick trips and errands, while traditional rental cars from companies like Enterprise and Hertz often work better for weekend getaways and out-of-town trips.
While Zipcar is designed with non-car owners in mind, the traditional rental car system is set up for people who already own cars, and by extension, carry auto insurance. For those who don't, the insurance options available can be expensive and difficult to understand.
Auto insurance is typically divided into two basic risk categories : collision/damage and liability. Collision coverage usually takes care of damage to or theft of the car; whereas liability insurance covers the damage to another person, their vehicle, and their property, in the event of an incident.
Of the two, liability is the much bigger risk.
Collision risk is essentially capped at the value of the car a person is renting. If they wreck a rental car, without insurance, they're on the hook for paying for that vehicle.
That's an expensive proposition, but it's relatively small compared to the theoretically limitless risk they face in the event that they injure or kill someone while behind the wheel. These days, personal injury attorneys are constantly on the hunt for victims who were hurt or disabled in these types of incidents.
Rental car companies do offer products that protect their customers from both collision and liability risk, but these products are expensive. Enterprise, for example, offers damage waivers for $13.99 - $18.99, and supplemental liability protection for $11.99. That adds an additional $26 to $31 to a car rental. In some cases, the price of the insurance and waivers can cost more than the rate for the car itself.
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