rhode island

Hello, Unfortunately, we do not have any companies that will provide insurance for only two weeks. I'm unaware of any company that will, as most policies are six months or twelve months.

Sorry to hear about your situation. There are several factors to consider before filing a claim.

Your agent is correct. Since the car is still registered, you legally have to maintain the minimum liability requirements for the state of Rhode Island.

In most cases, it would be your insurance that pays for the damages. The reason being, the limb came from your tree and it's your responsibility.

Since the car will not be registered in your name, the owner of the car will need to add you as a driver to their policy, instead of you getting your own. If your friend's current company will not accept a foreign license, then they will need to shop around to find something you can be added to.

If you have a police report with the at-fault party information on it, it's very likely Zipcar will contact them for the damage. However, I would check the insurance information you signed up for to see how you could be charged.

The decision will really be up to you. If they want to pay out of pocket I would take it to a shop you want and trust and get the estimate.

In the state of Rhode Island, medical coverage is not a legal requirement to meet the state insurance law so it is optional. "Full Coverage" refers to coverage for damage to your vehicle and doesn't necessarily include any other extras like rental car, roadside, or medical.