안녕하세요?
운전면허는 있고, 보험에 이름이 올라가 있지 않은 무보험 상태인 대학생 아이가
이머전시때 차를 쓸수 있도록 타주에서 집카에 등록을 했습니다.
보험과 개스비도 포함이라고 하는데
보험에 대해서 아래와 같이 나와 있거든요.
여기서 말하는 보험은 그냥 자차 보험만인것처럼 보이는데
(third party liability coverage 라는건 카드보험 같은걸 말하나요?)
내 과실에 의한 사고시 상대방 차라던가 상대방 치료비등을 커버하려면
어떤 방법이 있을까요?
부모 차보험에 이름을 올려 주면 집카 운전에도 보험 커버가 되는지요?
전화해봤는데 zipcar상담원들이 보험에 대해 전혀 모르네요 일단 zipcar member contract에 있는 부분 여기 붙여둘께요
Any active Zipcar Member in good standing who is authorized to operate a Zipcar vehicle under this Contract is, subject to the Member fulfilling their obligations as set out in this Contract, covered for third party bodily injury and for property damage costs relating to an accident in which the member was validly and legally operating a Zipcar vehicle and for which the Member may be legally liable. The amount of such third party liability varies depending upon the age and join date of the Member.
Members under 21 years of age, and who are permitted to drive under this Contract will be protected against liability for causing bodily injury or death to others or damaging the property of someone other than the authorized driver and/or the Member up to the minimum financial responsibility limits required by the law of the jurisdiction in which the accident occurs. Minimum financial responsibility limits vary by jurisdiction.
Any member who violates the terms and conditions of this Contract will only be protected against liability for causing bodily injury or death to others or damaging the property of someone else other than the authorized driver and/or the member up to the minimum financial responsibility limits required by the law of the jurisdiction in which the accident occurs. Minimum financial responsibility limits vary by jurisdiction.
Where required by law, we provide Personal Injury Protection (PIP), or "no-fault" coverage, to the minimum level required by the jurisdiction in which the accident occurs, for injuries you may suffer in an accident. Members may also use their own health care coverage in case of injury and any personal injury coverage that the Member has available will be primary over any PIP or no fault coverage Zipcar may provide where allowed by law. To the extent permitted by law, Zipcar and each Member by entering into this membership agreement hereby affirmatively waives and rejects the inclusion of uninsured motorist, underinsured motorist coverage under this Contract and all optional vehicle insurance coverages under any policy of insurance or certificate of self-insurance in connection with this Contract, and each Member agrees that Zipcar is hereby authorized to sign any forms or acknowledgments on behalf of each Member rejecting such coverage. Uninsured coverage protects the Member and all other passengers in the Zipcar vehicle for losses and damages suffered if injury is caused by the negligence of a driver who does not have any insurance or who has insufficient insurance to pay for losses and damages. If any such protection described above is imposed by operation of law, then the limits of such protection will be the minimum required for protection by the law of the jurisdiction in which the accident occurs. No coverage is provided for any use of a Zipcar vehicle by any unauthorized driver as defined by the terms of this Contract; provided, however, if such coverage is mandated by law, then the limits of such protection will be the minimum financial responsibility limits required by law in the jurisdiction where the accident occurs.
The third party liability provided by Zipcar does not relieve Members of their obligations with respect to the Damage Fee described in Section 5 of this Contract.
For clarification, any coverage provided under this Contract only applies when a Member in good standing is validly and legally operating a Zipcar vehicle. If you have questions regarding your coverage, email: insurance@zipcar.com.
Insurance Coverage
Every member who complies with the membership contract is covered by Zipcar insurance while driving a Zipcar. In the case of an incident, members are responsible for a damage fee of up to the first $1,000 of damage to the Zipcar vehicle, and all further damage is covered by Zipcar insurance. The damage fee can be reduced or eliminated with the purchase of an optional damage fee waiver. For more information or to opt-in click here and go to "learn more or add a waiver".
Zipcar insurance also includes third party liability coverage and Personal Injury Protection (PIP) or "no-fault" coverage. All third party liability and PIP coverage meets the minimum requirements of the state or jurisdiction in which an accident occurs, and the full extent of coverage varies based on a member's age and location. To see the details of your third party liability coverage, please read the "Third Party Liability" section of the Zipcar membership contract.
Note
Coverage may be provided under a certificate of self-insurance, insurance policy, or both. Members who joined Zipcar on a plan affiliated with a business, university, or other entity may have different insurance coverage.
6 댓글
CaptainCook
2019-09-30 10:10:52
Zipcar insurance also includes third party liability coverage and Personal Injury Protection (PIP) or "no-fault" coverage. All third party liability and PIP coverage meets the minimum requirements of the state or jurisdiction in which an accident occurs, and the full extent of coverage varies based on a member's age and location.
이부분이 Liability관련 부분으로 보이는데요? 보통 liability coverage가 본인 잘못으로 상대방에게 피해를 입혔을때 적용되는 보험인데 third party가 붙는 건 아마도 이용자와 zipcar가 아닌 다른 사람을 지칭하는게 아닌가 생각됩니다. 그리고 PIP는 사람쳤을때 부상이나 병원비 관련 대인보험 정도로 보시면 되구요. 확실한건 Zipcar에 문의하시는 걸 추천합니다.
부모 차보험에 이름을 올려 주면 집카 운전에도 보험 커버가 되는지요? -> Liability의 경우 보통 렌트하는 회사들이 영업하는 주 minimum에 맞춰요. 안 그러면 사업을 할 수 없으니까요. 만약에 큰 사고가 가서 보장범위가 넘어가면 개인책임인데 이 경우 부모 차보험에 같이 들어가 있어서 Liability coverage가 있다면 supplemental liability insurance 개념으로 추가 커버가 되는 거로 알고 있습니다.
제가 알고 있는 내용으로 알려드렸는데 틀릴수도 있어요. 제일 좋은 건 Zipcar와 본인 보험에 문의하시는 걸 추천합니다.
겨울바다
2019-09-30 10:21:38
아~ 그렇군요. 그럼 zipcar자체에서 상대방에 대한 최소보험도 주 미니멈에 따라 제공을 할수도 있겠네요. 그래야 사업을 할수 있단 말씀도 맞는 말씀 같아요...
제 보험이랑 집카에 전화를 해서 확인하고 결정해야겠네요. 댓글 감사합니다.
CaptainCook
2019-09-30 12:51:53
All third party liability and PIP coverage meets the minimum requirements of the state or jurisdiction in which an accident occurs
제가 이해한 바로는 그렇습니다.
겨울바다
2019-10-02 13:59:20
제가 가지고 있는 보험이 코스코 보험인데 zipcar와 같은 car sharing 에 제 보험 적용이 안 된다고 답변 받았습니다.
아이를 제 보험에 이름을 올려도 소용이 없는거 같아요. 다른 분들을 위해 업뎃 합니다.
zipcar측에서는 최소한의 liability covergage를 한다고 답변 받았는데 상담원들 5명쯤과 통화끝에 받은 답변이라 긴가민가 하네요. 다른 사람들은 보험 커버에 대해 전혀 모르고 있고요.
만년초보
2019-10-02 14:18:41
Personal umbrella 있으면 가능하지 않을까요?
겨울바다
2019-10-02 14:38:35
umbrella 보험은 고려해본 적 없는데 많은 분들이 갖고 계신걸까요? zipcar 한번 알아보려다가 머리 넘 아프네요 ㅋ