Re: Shared Vehicles in Cohos
From: aamato (
Date: Wed, 9 Nov 2005 08:14:03 -0800 (PST)
I think it's not so much that insurance companies "don't like" as it is that
they will charge scads of money to insure a group...much more than for an
individual.  I looked into having a formal car-sharing arrangement for our
community a few years ago, and found the costs and the logistics prohibitive.
Anna Amato
Takoma Village Cohousing
Washington, DC

             Selwyn Polit                                                       
   >                                                          To 
                                     Cohousing-L <cohousing-l [at]>    
             11/08/2005                                                      cc 
             01:36 PM                                                           
                                     Re: [C-L]_ Shared Vehicles in Cohos        
             Please respond                                                     

Hi Chris,
could you define "don't like" as in "Insurance companies don't like
these kinds of situations, of course." Is it really necessary to
explain to them that this is the situation?  If one does explain
this, what kinds of problems does this cause?  Of course the price
goes up, but any idea as to how much?

Austin, TX

>And depending on where your community is located...  (living on an
>island can be helpful in this case)
>Another way is to just leave the keys in those vehicles that a person
>or household is willing to share  with others.  Then talk to your
>neighbors over dinner and share info about use limitations or
>idiosyncrasies for these vehicle(s) (like how to get it started), and
>poof, you have cheap car sharing.
>Insurance companies don't like these kinds of situations, of course.
>On Nov 8, 2005, at 4:56 AM, Dave and Diane wrote:
>>Hi Andrea,
>>We will have a Zipcar on site. Zipcar is a car cooperative, and
>>they own the vehicle and cover insurance, gas, and maintenance. We
>>have what is called a "sponsored account." Details below.
>>If you wanted to use the minivan as a community car I imagine you
>>would have to form a trust or some other ownership entity to own,
>>maintain and insure it. This could involve some set-up work, but I
>>think it's a great idea.
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Selwyn Polit
<mailto:selwyn [at]>selwyn [at]

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