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