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This reads like a hit piece by someone with a grudge against zipcar, for some reason. It seems well written enough but I can't figure out why zipcar is mentioned repeatedly when he provides examples of other car sharing services that do worse, and one person he quotes mentions individuals with 50k policy limits. This article would be better if it was cautioning all car drivers to ensure they had adequate insurance.

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I like how he proudly claims to have been advocating this issue since 2005, then begrudgingly writes that it has never been an actual problem in ZipCar's history.

You buy insurance mostly to protect against costs that are expensive and unlikely to happen. The article points out that in New York, which has a lot of Zipcar customers, 3 percent of bodily injury liability insurane claims are over $300,000. So although no Zipcar rental has yet resulted in such a claim, it still seems like something worth insuring against.

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